vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account that does not belong to me has been reported on my credit file. I did not open this account, never applied for it, and never gave permission for my personal information to be used in any way. This reporting is incorrect, and its continued presence misrepresents my credit history, which may lead to further financial harm.

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 2025-08-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, I purchased XXXX XXXX through a seller : XXXX on XX/XX/year>. Upon receiving I decided I did not like how flimsy the glasses felt for the price. So I took photos to prove they were unworn and returned on XX/XX/XXXX, within the XXXX XXXX return window. The seller had a return policy. I sent within the time frame. 

I used the return label issued by the seller provided by XXXX. I never received the refund. It appears that the seller made a mistake on the return label address and it was lost in the mail. XXXX did not help me since this situation exceeded the XXXX return window. 

I returned the package in good faith, following the policy, assuming the seller 's provided address was correct. I even spent hours on the phone with USPS trying to recover it. I opened a missing mail case with USPS. They could not find. So now I am out {$200.00} and Citi Bank would not help me recover. They said I was responsible but did not ask me for any information, just 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 2025-08-06 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX 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 2025-08-06 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
My Cash App account was hacked and used without my permission starting on or around XX/XX/year>. Multiple unauthorized transactions were made that I did not approve. I never shared my login or account info with anyone. I noticed the charges after regaining access to my account. I contacted Cash App support to dispute the charges, but I have not received a resolution. I am requesting a full investigation and reimbursement under Regulation E. I can provide screenshots and a list of the fraudulent charges if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been banking with Citibank for less than a month, and my account has already been locked XXXX times due to suspicious activity each time when I try to send a small XXXX transfer to my husband. 

Most recently, Citibank locked me out again and said they sent a verification code to my phone, which had been disconnected. After I purchased a new phone and updated my phone number, they immediately locked my account again. 

I went into a Citibank branch in person with valid ID and proof that the account belongs to me, but they refused to unlock it. Instead, they said I had to wait for a reference number to arrive by mail, which could take XXXX business days. 

As a result, I have no access to my own funds, and Im now : Being charged {$50.00} per day in rent late fees Unable to start a new job because I cant afford gas or a rental car to get to work Past due on a {$560.00} car note ( due XX/XX/XXXX ) Facing extreme emotional stress and hardship as a parent at risk of eviction I have done everything Citibank asked updating my number, providing ID, visiting the branch and I am still being denied access to my own account. 

I am requesting that Citibank : XXXX. Immediately restore access to my funds, and XXXX. Compensate me {$5000.00} for the financial and emotional damages caused by this unjustified and repeated account freeze. 

I can provide documentation of rent penalties, missed work, transportation barriers, and my car note if needed. This situation has caused serious harm, and I am requesting CFPBs help in getting this resolved as quickly as possible.

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 2025-08-06 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute a collection account that is currently being reported under my name. I have no knowledge of this debt, I never authorized it, and to date, it remains unverified. 

Despite this, I have been subjected to repeated and distressing communications from your office, including harassment and threats of legal action. This has caused substantial emotional distress and represents a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL, XXXX Phone Number ( XXXX ) XXXX Email Address : XXXX Date : XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Notice of Dispute Pursuant to FCRA 15 U.S.C. 1681i ( a ) To Whom It May Concern : I am writing to formally dispute inaccurate or incomplete information that appears on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ). 

According to the FCRA, a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a notice of dispute from the consumer. The law further states that all data providers must be notified and the disputed item must be either verified, corrected, or removed if found to be inaccurate, incomplete, or unverifiable. 

The following item ( XXXX ) on my credit report are inaccurate, incomplete, or are being used improperly : 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 Disputed Item ( XXXX ) : XXXX Name : Equifax Account Number or Identifier : XXXX XXXX XXXX for Dispute : This account does not belong to me/ Inaccurate information Under 15 U.S.C. 1681i ( a ), I am requesting that you : Initiate a reinvestigation of this/these item ( XXXX ), Delete or correct the inaccurate or unverifiable information, Provide me with written results of your investigation, and Send me a free copy of my updated credit report as required by law. 

I have enclosed supporting documentation to assist your investigation, including [ e.g., a copy of my ID, proof of address, billing statements, police reports, etc. ] Please consider this letter as formal notice that any continued reporting or use of inaccurate, incomplete, or unverifiable information may constitute willful noncompliance with the FCRA and could be subject to enforcement actions and civil liability under 15 U.S.C. 1681n and 1681o. 

I expect your response within the XXXX statutory period. If you find the item ( XXXX ) unverifiable, they must be promptly deleted from my credit report, per the law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully disagree with XXXX XXXX response. While they acknowledge that a {$3500.00} charge posted to my secured credit card ( limit {$500.00} ), they failed to address how such a charge was allowed on a secured credit card account, which is supposed to be backed by a cash deposit specifically to prevent over-limit exposure. 

I never opted into any over-limit protection, nor was I informed or given the opportunity to approve such a charge in advance. Under the Truth in Lending Act ( 15 U.S.C. 1666i ( b ) ), a creditor may not approve over-the-limit transactions unless the cardholder affirmatively opts in. No such authorization exists in my case. 

XXXX XXXX decision to allow a {$3500.00} charge on a {$500.00} secured credit limitwithout consenteffectively converted a secured credit line into an unsecured one, without agreement or disclosure. This is improper and undermines the very purpose of a secured credit card. 

Furthermore, XXXX XXXX confirmed that they are reporting this inflated over-limit balance to credit bureaus. If this reporting fails to note the account as secured, or mischaracterizes the nature of the debt and how it accrued, it may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ).

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 2025-08-06 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: GA

Complaint narrative:
I respectfully disagree with XXXX XXXX response. While they acknowledge that a {$3500.00} charge posted to my secured credit card ( limit {$500.00} ), they failed to address how such a charge was allowed on a secured credit card account, which is supposed to be backed by a cash deposit specifically to prevent over-limit exposure. 

I never opted into any over-limit protection, nor was I informed or given the opportunity to approve such a charge in advance. Under the Truth in Lending Act ( 15 U.S.C. 1666i ( b ) ), a creditor may not approve over-the-limit transactions unless the cardholder affirmatively opts in. No such authorization exists in my case. 

XXXX XXXX decision to allow a {$3500.00} charge on a {$500.00} secured credit limitwithout consenteffectively converted a secured credit line into an unsecured one, without agreement or disclosure. This is improper and undermines the very purpose of a secured credit card. 

Furthermore, XXXX XXXX confirmed that they are reporting this inflated over-limit balance to credit bureaus. If this reporting fails to note the account as secured, or mischaracterizes the nature of the debt and how it accrued, it may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully disagree with XXXX XXXX response. While they acknowledge that a {$3500.00} charge posted to my secured credit card ( limit {$500.00} ), they failed to address how such a charge was allowed on a secured credit card account, which is supposed to be backed by a cash deposit specifically to prevent over-limit exposure. 

I never opted into any over-limit protection, nor was I informed or given the opportunity to approve such a charge in advance. Under the Truth in Lending Act ( 15 U.S.C. 1666i ( b ) ), a creditor may not approve over-the-limit transactions unless the cardholder affirmatively opts in. No such authorization exists in my case. 

XXXX XXXX decision to allow a {$3500.00} charge on a {$500.00} secured credit limitwithout consenteffectively converted a secured credit line into an unsecured one, without agreement or disclosure. This is improper and undermines the very purpose of a secured credit card. 

Furthermore, XXXX XXXX confirmed that they are reporting this inflated over-limit balance to credit bureaus. If this reporting fails to note the account as secured, or mischaracterizes the nature of the debt and how it accrued, it may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ).

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and noticed I had an unauthorized collection from XXXX XXXX  XXXX that I do not recognize. I believe it is fraudulent and would like it to be blocked and removed from my credit report immediately. It was opened on XXXX for {$840.00}

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 2025-08-06 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: GA

Complaint narrative:
XXXXI recently reviewed a copy of my credit report and noticed I had fraudulent\naccounts and inquiries on my report. Please remove these accounts and inquiries from my credit report. They are hurting my ability to obtain credit. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an unauthorized and fraudulent account on my credit report that does not belong to me. I have no relationship with the creditor listed, nor have I ever opened or authorized such an account. Its presence is incorrect and damaging to my financial profile, misrepresenting my identity and financial history.

Company response to consumer: Closed with non-monetary relief