vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In early XX/XX/year>, I received unsolicited mail from Citibank for a checking account that had been fraudulently opened in my name. I immediately contacted Citibank to report the checking account as identity theft and requested all documentation related to the account opening, including the application, identity-verification method used, and Citibanks internal notes. During those conversations and in Citibanks written communications to me, I was never informed that a second accounta savings accounthad also been opened in my name at the same time.

Citibanks written response to my prior CFPB complaint : XXXX, dated XX/XX/year>, was the first time I learned that a savings account had been opened. I had no earlier knowledge of this account, and Citibank did not disclose its existence despite my repeated requests for full documentation of the fraudulent account and all records relating to the identity theft event. Because Citibank withheld the existence of this second account, I was unable to dispute it or request information about it earlier. 

I am filing this complaint because Citibank has still not provided any documentation regarding the fraudulent savings account, including : How and when it was opened What identity-verification method was used What information the fraudster provided What internal controls were applied or bypassed Whether the account saw any activity ( deposits, withdrawals, attempted transactions ) Whether any related accounts or applications were linked to it I still do not know the status, history, or risks associated with this second account, and Citibank has not provided any of the records needed to understand the scope of the identity theft.

Citibanks failure to disclose the existence of multiple fraudulent accounts during the original investigation has prevented me from understanding the full extent of the identity theft or determining whether additional harm has occurred. Their omission also hindered my ability to respond within their stated timelines and obstructed my ability to protect myself from ongoing fraud risk.

I am requesting the complete documentation and explanation for the fraudulent savings account, including the application, identity-verification details, internal account notes, and all correspondence or activity history associated with it.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the accuracy and completeness of the charge-off reported by XXXX XXXX XXXX XXXX  on my consumer report. The Delinquency Date is XX/XX/XXXX and The Open date is XX/XX/XXXX they have a totally different open date reporting XX/XX/XXXX. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Violation of FCRA 623 ( a ) ( 5 ) Incorrect or Missing Date of First Delinquency ( DOFD ) Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers must report the accurate DOFD within 90 days of charging off the account.

The DOFD reported on this account is inaccurate, inconsistent, or missing. 



I request : Verification of the exact DOFD, Documentation showing when it was reported, Deletion if the DOFD can not be verified with original records.

2. Improper Charge-Off Reporting After Debt Transfer or 1099-C If this debt was sold, settled, transferred, or a 1099-C was issued, the balance must be corrected and negative reporting must cease.

Please provide : Proof this debt was legally collectible after transfer, Proof no 1099-C ( Cancellation of Debt ) was issued, Proof the charge-off is being reported according to FCRA guidelines.

If you can not furnish this documentation, the reporting must be deleted.

3. Request for Reinvestigation under FCRA 611 I request a full reinvestigation of this account, including : Verification of all dates, Verification of current ownership, Verification of all balance information, Verification of charge-off status.

If you can not fully verify the account with original records, not printouts or screenshots, you must delete it as required by the FCRA.

4. Statement of Consumer Rights The FCRA gives me the right to : Dispute inaccurate or unverified information, Receive the results of your investigation within 30 days, Have unverified or inaccurate items removed immediately.

Please provide in your written response : DOFD you have on file Documentation from the original creditor verifying DOFD Status of ownership ( sold, transferred, assigned, written off ) Ledger records showing how charge-off was calculated Confirmation whether a 1099-C was ever filed Updated results of the reinvestigation If you can not verify all elements, this account must be deleted from my consumer file under FCRA 623 ( a ) ( 5 ) and FCRA 611.

Thank you for your prompt attention.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the accuracy and completeness of the charge-off reported by XXXX XXXX XXXX XXXX  on my consumer report. The Delinquency Date is XX/XX/XXXX and The Open date is XX/XX/XXXX they have a totally different open date reporting XX/XX/XXXX. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Violation of FCRA 623 ( a ) ( 5 ) Incorrect or Missing Date of First Delinquency ( DOFD ) Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers must report the accurate DOFD within 90 days of charging off the account.

The DOFD reported on this account is inaccurate, inconsistent, or missing. 



I request : Verification of the exact DOFD, Documentation showing when it was reported, Deletion if the DOFD can not be verified with original records.

2. Improper Charge-Off Reporting After Debt Transfer or 1099-C If this debt was sold, settled, transferred, or a 1099-C was issued, the balance must be corrected and negative reporting must cease.

Please provide : Proof this debt was legally collectible after transfer, Proof no 1099-C ( Cancellation of Debt ) was issued, Proof the charge-off is being reported according to FCRA guidelines.

If you can not furnish this documentation, the reporting must be deleted.

3. Request for Reinvestigation under FCRA 611 I request a full reinvestigation of this account, including : Verification of all dates, Verification of current ownership, Verification of all balance information, Verification of charge-off status.

If you can not fully verify the account with original records, not printouts or screenshots, you must delete it as required by the FCRA.

4. Statement of Consumer Rights The FCRA gives me the right to : Dispute inaccurate or unverified information, Receive the results of your investigation within 30 days, Have unverified or inaccurate items removed immediately.

Please provide in your written response : DOFD you have on file Documentation from the original creditor verifying DOFD Status of ownership ( sold, transferred, assigned, written off ) Ledger records showing how charge-off was calculated Confirmation whether a 1099-C was ever filed Updated results of the reinvestigation If you can not verify all elements, this account must be deleted from my consumer file under FCRA 623 ( a ) ( 5 ) and FCRA 611.

Thank you for your prompt attention.

Sincerely, 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant XXXX XXXXXXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zions Debt Holdings is attempting to collect a debt that I do not owe and for which they have failed to provide any legally required validation. I previously disputed this alleged XXXX account in writing and sent a formal FDCPA ceaseanddesist and debt validation request via certified mail. Zions never responded with any validation, documentation, or proof of ownership of the alleged account as required under 15 U.S.C. 1692g ( b ).

Despite their complete failure to validate the debt, Zions Debt Holdings has continued to pursue collection activity and has now escalated their conduct through unauthorized communication and harassment. On XX/XX/year>, I received a text message from Zions stating : We purchased your account from the alarm company XXXX  Balance {$1600.00} We are willing to settle Pay online account # XXXX. 

This text message directly violates the following federal laws : 1. FDCPA 1692g ( b ) continued collection without validation A collector must cease all collection activity until they provide proper validation. They did not validate the debt, yet continued contacting me attempting to collect.

2. FDCPA 1692c ( c ) contacting consumer after ceaseanddesist Once a consumer demands all communication to cease, debt collectors are legally prohibited from emailing, calling, texting, or sending letters except in extremely narrow circumstances. Their unauthorized text message is a clear statutory violation.

3. FDCPA 1692e false, deceptive, or misleading representations Zions claims to own the alleged account, but has not produced any proof of ownership, legal assignment, or original signed contract. Continuing to collect without proof constitutes a deceptive and unlawful practice.

4. FDCPA 1692d harassment and abuse Contacting me after a ceaseanddesist, especially with settlement demands, is considered harassing behavior under federal law.

5. FCRA 1681s2 ( b ) furnishing inaccurate or unverified information Zions continues to furnish an unvalidated, disputed debt to XXXX, harming my credit. Furnishers are required to investigate disputes thoroughly ; they did not.

Zions Debt Holdings is willfully ignoring federal law, refusing to provide validation, continuing unlawful communication, and attempting to coerce payment for a debt I do not owe.

I am requesting regulatory intervention because this company is engaging in clear and repeated violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act and is actively harming me through unlawful collection efforts

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax verify this account and all information listed in XXXX, if you can not remove this account at once refer through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and CISA have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting.

As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns.

The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

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 2025-12-08 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: CA

Complaint narrative:
I am unrelated to these accounts and request their deletion within XXXX days as FCRA mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Would you review this entry? I worked on it late and it may not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Experian, Equifax and Transunion consumer reporting agencies have illegally furnished account information on my 3 consumer reports, prior to providing proof of compliance as per FCRA law : 15 U.S. Code 1681e ( a ) - Compliance procedures

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Experian, Equifax and Transunion consumer reporting agencies have illegally furnished account information on my 3 consumer reports, prior to providing proof of compliance as per FCRA law : 15 U.S. Code 1681e ( a ) - Compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing a complaint regarding Equifaxs handling of my credit report and disputes. 

Equifax has reported inaccurate information on my credit file and has failed to properly investigate my disputes. These errors have affected my XXXX XXXX and my ability to obtain credit. I have attempted to resolve this directly with Equifax, but the issues were not corrected. 

I am requesting that the CFPB require Equifax to conduct a proper reinvestigation, remove or fix the inaccurate information, and ensure the problem does not return in the future. I also request that the CFPB review whether my situation is related to the recent findings that Equifax mishandled consumer disputes. 

I am not able to research every thing that I have notice could you please ask them to provide all information. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

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 non-monetary relief
Consumer complaint received 2025-12-08 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: IL

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 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I want to remove funds from the savings account. The bank does not take phone calls without a pin # which I don't have. There is no mechanism online or by phone to reset and get a new pin # so there's no way to reach a human by phone. Further, they are only allowing maximum transfer out of the account of $ XXXX and $ XXXX and I need more than that this month. So I tried to close the account but again, no mechanism online or by phone to close the account and get the full balance amount transferred. XXXX 's online chat does not work at all, always says they are closed. XXXX is holding my money and there's nothing I can do to get it out.

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 2025-12-08 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:
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