vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied and was approved for a Citi XXXX XXXX credit card with a {$590.00} annual fee. However, just XXXX day after approval, Citi blocked my account and requested income verification through a XXXX form. I promptly submitted the required documents, but my account has remained on hold for over a month with no resolution. Despite not being able to use the card, Citi still charged me the {$590.00} annual fee. This experience has been extremely disappointing and feels unfair, as I am being billed for a card I can not access. I request that Citi resolve the issue immediately or refund the annual fee.

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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a paid reservation at XXXX XXXX, When I tried to check in front desk clerk refused to honor my reservation, It's XXXX Was XXXX a clock in the morning, and clerk said I had to wait until XXXX pm to check in, or I had to pay a higher rate, An argument started and clerk told if I didn't leave They where going to call the police.I ask the clerk for my money back, and she said I had to go through the XXXX cancelled reservation ( XXXX ) but was still charged, I tried to dispute charge with my debit card account, and I sent a snapshot with proof that I cancelled reservation, and current bank refused to thoroughly investigate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am writing to formally dispute the following accounts with Equifax under the Fair Credit Reporting Act ( FCRA ). I believe these accounts have inaccuracies or incorrect reporting, and I respectfully request a thorough investigation. Below are the details of the disputed accounts : CHARGED OFF XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$790.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$460.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX LATE XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXXXXXX 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 XXXXExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-11-06 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: TN

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries that appear on my credit report. 
Upon review, I found the following inquiries that I do not recognize or authorize : 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 These inquiries were not initiated by me, and I request that you investigate and remove them from my credit report if they can not be verified as authorized. 
Personal Information for Reference : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXXXXXX 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX for failure to conduct a lawful and reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ), and for ongoing harm caused by inaccurate reporting, identity errors, and unverified collection accounts that have been verified by the automated E-OSCAR system without proper human review. 
On XX/XX/XXXX, I submitted a complete dispute package to XXXX, including proof of identity ( drivers license, Social Security card, mailed utility statements ) and documentation showing multiple inaccuracies across my credit profile. The dispute included : Inaccurate names appearing on my file : XXXX XXXX XXXX, XXXX, XXXX XXXX, and other variations that do not match my legal name XXXX XXXX XXXX. 
Incorrect addresses including old or unverified addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and others that should have been deleted. 
Multiple hard inquiries from banks and lenders I never authorized, including XXXX, XXXX XXXX ( XXXX ), and others dating back to XXXX. 
Over XXXX soft pulls and promotional inquiries that serve no permissible purpose and continue to harm my credit standing. 
A collection account from The Bureaus Inc originally listed as XXXX XXXX ( opened XX/XX/XXXX ) and later re-aged and reopened as a new collection from XXXX XXXX  ( opened XX/XX/XXXX ) for {$620.00}. This account is a clear case of re-aged, zombie debt that violates the FCRAs seven-year reporting limitation and FDCPA rules prohibiting re-reporting of time-barred debt. 
Despite sending certified mail with complete documentation and fraud evidence, XXXX provided an investigation result on XX/XX/XXXX stating that the item was verified as accurate. No human investigator contacted me, reviewed my evidence, or verified anything manually. Instead, XXXX  used the E-OSCAR automated system to send a two-minute electronic verification request to the furnisher, who automatically marked it verified. This is not a lawful reinvestigation under FCRA 611 ( a ). 
This situation has caused severe hardship and distress. Because of these errors and XXXX failure to correct them, I continue to be denied for loans and credit cards that would allow me to stabilize my financial situation. I am currently on limited income with no XXXX support and struggling to meet basic living costs. The repeated false verification of inaccurate data has directly interfered with my ability to obtain housing and necessary funding. 
I have called XXXX  multiple times to speak to the Fraud or Consumer Relations Department. Each time, I am redirected to the automated dispute system, even after specifically requesting escalation under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ). No one will take accountability or provide the required Method of Verification describing who verified the information, how it was verified, and what documentation was reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
I mailed written disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> to challenge inaccurate information on my credit report. Each dispute was sent to XXXX correct address and confirmed via XXXX tracking. More than XXXX days have passed without receiving any investigation results, verification details, or proper response, which exceeds the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows ( account numbers are partially redacted for privacy ) : XXXX XXXX  XXXX This collection account lacks a conspicuously listed address, violating FCRA 623, and must be removed. 

XXXX XXXX Another collection account with no address ; Equifax must delete it. 

XXXX XXXX  XXXX Lacks required address information ; please remove this unverifiable account. 

XXXX XXXX  XXXX Missing the mandatory address ; it can not be reported. 

XXXX XXXX XXXX This account contains an inaccurate late payment, violating FDCPA 807 ( misleading/false reporting ). 

XXXX XXXX XXXX Another collection account without a listed address ; please remove it. 

In each dispute, I specifically requested verification of these accounts and the name and contact information of each furnisher, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Equifax has failed to provide this information or any reinvestigation results. Copies of my dispute letters and XXXX tracking confirmations are attached. I am therefore requesting that the Consumer Financial Protection Bureau require Equifax to comply with the FCRA by deleting these disputed negative items from my credit report due to failure to properly investigate, verify, and correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. Please investigate and verify the information provided. If any of these accounts are inaccurate or incomplete, I respectfully request their removal. 

CHARGED OFF : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$430.00}

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2025-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I sent a police report to Equifax showing this account is from ID theft. they did not remove the account which is called XXXX XXXX. 
XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items in my recent credit report provided by Equifax. Upon reviewing my credit file, I have identified negative entries that I believe to be inaccurate. I request that you thoroughly investigate the following items : 1. Account Name : XXXX XXXX  XXXX Account Number : XXXX o Dispute Reason : This account is showing as a " XXXX '' with an outstanding balance of {$1300.00}. I dispute this because it was paid in full or never delinquent. 
2. Account Name : XXXX Account Number : XXXXXXXX XXXX Dispute Reason : This account is reported as being in " XXXX. '' I believe this to be an error because it was paid off or is not my debt. 
3. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX o Dispute Reason : The report shows late payments for this account, but I have records indicating that my payments were made on time. Please investigate and provide proof of the late payment entries.

4. Account Name : [ Add Account Name if needed ] Account Number : [ Add Account Number if needed ] o Dispute Reason : This account shows as disputed. I request that you verify the legitimacy of the dispute or remove the notation if incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: CA

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 explanation