vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX  XX/XX/year>, I called Citi Bank customer service to activate my new atm/debit card. After the new card was activated, I asked the representative to remain on the phone because I was at the USPS attempting to purchase a money order and considering it being a new card I did not want it flagged. My transactions did not go through while the rep was on the phone. I was then transferred to XXXX other reps and they could not assist me in the transaction being completed as well. Shortly after my entire account was locked and has been placed on review. It is now XXXX  XX/XX/year> and I have not had access to my funds yet funds remain coming out of my account for autopay. Every rep Ive spoken to tells me that the matter has been escalated to the back room team whom they also have no number nor connection to except through email communication that they can not share with me, however, I should, keep my phone line open. NO ONE HAS CALLED. I have never experienced anything like this at all with Citi bank or any other bank for that matter. Im not even able to log into my mobile app. This is extremely inconvenient, frustrating, and highly unprofessional. The customer service team has no information yet these are the people who were on the phone with me the entire time. To add insult to injury, every call is outsourced with people who clearly arent connected to the department who handles this matter, further prolonging this issue. Unacceptable!!!!!

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 2025-05-14 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant 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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
A credit card from BarclaysXXXX XXXX account was opened in my name without my knowledge or consent. I did not apply for this credit card, and I did not authorize any charges on it. I discovered the account when a late statement arrived in the mail. There are no charges on card, but an annual fee was charged and I am being charged for not paying it on time. Additionally I am XXXX XXXX military and the amount of interest this card is over the limit on what is legally required for us to pay.

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 2025-05-14 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 want to dispute everything on my credit this is a violation of code 15 u.s.c 1681

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 2025-05-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

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 2025-05-14 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: TX

Complaint narrative:
This complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to notify Equifax of multiple accounts on my credit report that are fraudulent and were never authorized by me. I am formally requesting that these accounts be blocked from my file within the federally mandated four-business-day period. 

The following items represent false information tied to identity theft : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, reporting a {$0.00} balance A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$4100.00} Pursuant to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), I am exercising my right to dispute these entries and demand a full reinvestigation. You are required to provide a clear and complete explanation of how each account was verified, including the method of verification and original documents or records used in the process. If no such evidence exists, these entries must be removed immediately as prima facie fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
My vehicle was repossessed around XXXX XXXX  about XXXX weeks ago. The total company fully equipped the body camera footage on the drivers and the trucks. Tell my vehicle directly to XXXX in which executive guard was on duty until the next day when staff enter the vehicle the test company has photos of some of the missing items such as my XXXX  XXXX  as a XXXX  XXXX  had XXXX boxes in each box had XXXX pens also to confirm that the car door was locked when I retrieve my vehicle I noticed there were money missing and a few other items, including the XXXX. When I address this with the title clerk, she continues to tell me anything that was left in the vehicle found the box. I will need to go through the box piece by piece in order to find the money if it was there, and if it was not there, I can filed for the investigation. 
This is it ended with them title Max agent front end once again explained that anything, including money would be left in a box in the car. I asked to speak with a supervisor, who basically made me complete an incident report for an investigation on the missing items. She reviewed the information from when my vehicle checked in and claims that the doors were unlocked, and that there was only XXXX empty boxes of the XXXX, but when I retrieve my vehicle, there was only XXXX empty box of XXXX  and the tow truck driver, XXXX pictures of the inside my vehicle they showed XXXX full box of the XXXX, I was told that she would investigate and follow up. I waited XXXX week and I began to call her back every XXXX days and each time I call I am told that she cant talk. She will call me back and she refuse to answer my calls. I did receive an inventory report from XXXX via the mail that shows I did have money in the vehicle that was reported now who it was given to. Im not sure I plan to filed a police report with XXXX XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Company is pulling old credit report with false information and refuses to pull current information telling me to wait XXXX months, I have made multiple request for them to pull the correct information or provide evidence of what they claim to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute and request a thorough reinvestigation into the following accounts that appear on my credit report. I believe these accounts to be fraudulent, as they were allegedly opened while I was a minor. Specifically, I was only 12 years old at the time many of these accounts were initiatedlegally incapable of entering into binding financial agreements.

Under 15 U.S.C. 1681c-1 and 1681c-2, which provide protections for victims of identity theft, I am requesting that these items be blocked from my credit report unless the creditor can provide documented proof that I was legally able and authorized to open these accounts at that time.

As required by 15 U.S.C. 1681i ( a ), I expect a reinvestigation of the disputed information to be completed within 30 days of your receipt of this letter. Please contact the relevant creditors to verify the legitimacy and accuracy of these entries. If the information can not be adequately verified, I request that it be permanently deleted 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 2025-05-14 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-14 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: TX

Complaint narrative:
This complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to notify Experian of multiple accounts on my credit report that are fraudulent and were never authorized by me. I am formally requesting that these accounts be blocked from my file within the federally mandated four-business-day period.

The following items represent false information tied to identity theft : A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$4100.00} Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute these entries and demand a full reinvestigation. You are required to provide a clear and complete explanation of how each account was verified, including the method of verification and original documents or records used in the process. If no such evidence exists, these entries must be removed immediately as prima facie fraudulent and 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 2025-05-14 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}

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 non-monetary relief
Consumer complaint received 2025-05-14 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 want to dispute everything on my credit this is a violation of code 15 u.s.c 1681

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 2025-05-14 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 want to dispute everything on my credit this is a violation of code 15 u.s.c 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
for the past 2 years i have told credit bureau to block company they have reported so many different things that are fraud and transunion allows it there contacted by me and item removed then its back on report but slightly different version transunion equifax all three allow it i want all four removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX accts are fraud, i sent identity theft report etc on many occasions ive asked credit bureaus not to share any information i provide regarding the matter as well in case i take the other party to court if not resolved my information not yo be shared

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 2025-05-14 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: AZ

Complaint narrative:
for the past 2 years i have told credit bureau to block company they have reported so many different things that are fraud and transunion allows it there contacted by me and item removed then its back on report but slightly different version transunion equifax all three allow it i want all four removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX accts are fraud, i sent identity theft report etc on many occasions ive asked credit bureaus not to share any information i provide regarding the matter as well in case i take the other party to court if not resolved my information not yo be shared

Company response to consumer: Closed with non-monetary relief