vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My XXXX and XXXX  illness caused financial hardship and delinquency. Citi refused goodwill or hardship review. 
Requested : Compassionate reinvestigation Validation of reporting Deletion/correction of negative marks

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 2025-11-13 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: TX

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXXDOFED XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
This company just put this information on my credit report. The original creditor removed the account from my report then this one just appeared. They have never sent me any communication. They have new given me the opportunity to dispute the debt. I am asking them to validated the debt as this original creditor did not respond and they should not be able to respond as well. This is a clear violation of FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had deposited XXXX to my capital one savings account just like they asked but when I went to check it it was not on it and soon after that my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( Last 4 ) : XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX Data Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX CC : XXXX. XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Notice of Dispute and Demand for Immediate Removal of False Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate deletion of any and all inaccurate or false information XXXX is reporting to the credit bureaus under my name.I have never opened, authorized, or consented to any account, loan, or service agreement with XXXX. Therefore, your reporting of such an account constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the furnishing of information known or reasonably believed to be inaccurate.Additionally, under 15 U.S.C. 1681i, I am asserting my right to dispute any inaccurate information, and I demand that a thorough investigation be completed within 30 days of receipt of this letter.If your investigation can not produce : - A valid and signed contract or agreement showing I authorized this account, - Full itemization and verification of the alleged debt, and- Proof of lawful reporting authorization, then you are required by federal law to delete the account immediately from all consumer reporting agencies.Failure to comply will leave me no choice but to file complaints with the CFPB XXXX FTC XXXX and Pennsylvania Attorney General, and to pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.I expect written confirmation from both XXXX and the credit bureaus that this account has been permanently deleted within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( Last 4 ) : XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX Data Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX CC : XXXX. XXXX XXXX, GA XXXX TransUnionXXXX XXXX XXXX, PA XXXX ExperianPXXXX XXXX XXXX, TX XXXX Subject : Formal Notice of Dispute and Demand for Immediate Removal of False Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate deletion of any and all inaccurate or false information XXXX is reporting to the credit bureaus under my name.I have never opened, authorized, or consented to any account, loan, or service agreement with XXXX. Therefore, your reporting of such an account constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the furnishing of information known or reasonably believed to be inaccurate.Additionally, under 15 U.S.C. 1681i, I am asserting my right to dispute any inaccurate information, and I demand that a thorough investigation be completed within 30 days of receipt of this letter.If your investigation can not produce : - A valid and signed contract or agreement showing I authorized this account, - Full itemization and verification of the alleged debt, and- Proof of lawful reporting authorization, then you are required by federal law to delete the account immediately from all consumer reporting agencies.Failure to comply will leave me no choice but to file complaints with the CFPB XXXX FTC XXXX and Pennsylvania Attorney General, and to pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.I expect written confirmation from both XXXX and the credit bureaus that this account has been permanently deleted within 30 days. 

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 2025-11-13 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:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple items reported on my TransUnion credit report, including a charge-off, several collection accounts, and an inquiry, which are either inaccurate, unverifiable, or do not belong to me. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$140.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$1600.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$10000.00}, and XXXXXXXX XXXX XXXX XXXX  with a balance of {$2300.00}. Additional items include XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XXXX XX/XX/year>. Despite my prior dispute, I have not received verification, explanations, or corrections regarding these items, which appear to be inaccurately or improperly reported. The continued presence of these items may violate the reinvestigation and accuracy provisions of FCRA.

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 2025-11-13 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: CA

Complaint narrative:
Subject : Unauthorized Inquiry Removal FCRA Violation I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries from my credit report : 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 XXXXXXXX XXXX XX/XX/year> These inquiries are not authorized and do not meet the requirements for permissible purpose under 15 U.S.C. 1681b ( 604 of the Fair Credit Reporting Act ). I never applied for credit with these entities nor granted written authorization, which is required under federal law.

Continuing to report these inquiries constitutes a violation of my rights as a federally protected consumer. Under 15 U.S.C. 1681n ( 616 ), you may be held civilly liable for willful noncompliance with the FCRA.

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 2025-11-13 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: MA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Review the materials provided ; these questions were submitted without prior notification and may not be approved.

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 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OK

Complaint narrative:
I have an account with Cash app and have had an account with Cash app for quite a while. Cash app has a borrow feature, a pay overtime feature, and an overdraft feature. I used all three of these features and expected to have my paycheck deposited into my account Before the dates that they needed to be paid back. Cash app has withheld my paycheck for months and I have to reach out to them every payday to try and get my paycheck released this time however, they are refusing to release my pay and refusing to speak to me about the issues in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TN

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Examine the attached materials ; the questions came in without prior warning and could be unofficial.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing Experians reporting of three XXXX XXXX accounts. Experian is showing all three accounts as open and also showing a past due balance. This is factually incorrect. These are collection accounts, not open or active credit accounts. 

Experian is reporting the XXXX accounts in a manner that falsely suggests I have open delinquent accounts. This is misleading and damaging my credit. This inaccurate reporting violates the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( B ) failure to maintain reasonable procedures FCRA 611 ( A ) failure to correct inaccurate information FCRA 623 ( A ) acceptance of inaccurate information I am requesting that Experian immediately remove the open status and past due labels from all three accounts. If XXXX XXXX can not certify accuracy, I request the accounts be deleted entirely.

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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Closed account without any notification or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XX/XX/year> the date I contacted them .this company is only reporting on my equifax and the dates doesnt add up the company is call NCB which was sold by XXXX finance and both companies are reporting on my credit report which is illegal if it was sold only one company should be reporting also if its in collections it shouldnt be reporting as a past due account and it was never a payment plan going it cant be considered past due and it was sold to third party companie. Also XXXX is showing it was close on all XXXX credit bureau on different dates and year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Received e-mail and txt stating my banking accounts of almost 10 years will be closed. 

Called customer service and supervisors and fraud protection and supervisors and they would only say they sent letter on XXXX to mailing address in Oregon. Told them I am at house in Florida and have become Florida resident and can not access it. Asked them why it was not posted on-line so I could read it under messages and notices. They did not have answer for it. They refused to give me any more information. Will provide copy of e-mail they sent. 

Have called corporate relationship manager as have several companies with accounts and corporate person said its personal not in his dept. Will be calling branch manager in Oregon branch tomorrow.

This is very disturbing. Will have to change auto payments and deposits and my children 's accounts are attached to mine. The work in setting up new accounts and contacting all auto deducts will take weeks. This is outrageously wrong, capricious, arbitrary and morally wrong. Have trusted this bank for almost 10 years. This should be illegal. 

copy of e-mail : Account update Important : We decided to close your account ( s ) Important : We decided to close your accounts. 


XXXX XXXX XXXX : Financial institutions have an obligation to know our customers and monitor account activity. After careful review, we made a decision to close your account ( s ). We sent you the information in a letter through U.S. Mail. It should arrive within the next few days. 
If you need to talk to someone after receiving the letter, please call us at XXXX ; we accept operator relay calls. 
We need the fastest way to contact you. 
Sign in and make sure your personal profile includes your mobile phone number. 

Security tip : Chase will never ask you for your account number or password in an email. 
Securely access your accounts in the Chase Mobile app or at chase.com. 

EMAIL SECURITY INFORMATION Email intended for : XXXX XXXX XXXX If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

ABOUT THIS MESSAGE The Chase Mobile app is available for select mobile devices. Message and data rates may apply.

This service email gives you updates and information about your Chase relationship. 

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details. 

To protect your personal information, Chase won't ask for confidential information in an email. 

Your privacy is important to us. See our online Security Center to learn how to protect your information. 

JPMorgan Chase Bank , N.A . Member FDIC XXXX  JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am submitting to request a thorough investigation into the accuracy of certain information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain maximum possible accuracy of information, and 15 U.S.C. 1681i ( a ) grants consumers the right to dispute any information that may be inaccurate, incomplete, or misleading. Please review the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} I have consistently maintained my financial responsibilities and have made every effort to ensure that my credit history is accurately reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The FCRA requires credit reporting agencies to conduct a reasonable investigation and correct any information that can not be verified within 30 days of receiving a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation