vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
CFPB Complaint Text ( Citizens Bank ) Issue : Denied access to funds/ improper account restriction Details : I am a Citizens Bank customer. Before traveling from Florida through Georgia, South Carolina, and possibly North Carolina, I called Citizens Bank in advance to notify them of my travel plans. Despite giving notice, Citizens Bank placed a fraud hold on my account and locked my debit card. 

This has left me stranded for several days with no access to my money, causing severe hardship and distress. This is not fraud it is a bank error, as Citizens Bank failed to properly note my travel notification. 

I have repeatedly contacted Citizens Bank and requested escalation. My funds remain restricted and I have not received any provisional access, written resolution, or assistance. 

What I want : 1. Immediate restoration of access to my funds.

2. Written confirmation that this restriction has been lifted.

3. Compensation or reimbursement for the hardship and damages caused by Citizens Banks error.

Why I am filing : Citizens Bank has denied me access to my own funds despite advance notice of travel. This is a violation of fair banking practices and has placed me in an emergency situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Reporting Request for Investigation * * To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate and unlawful reporting of an account appearing on all three credit bureaus under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX 

This account is being reported as a * * collection account every month * *, which is unlawfully extending the statute of limitations under federal law. Additionally, each bureau is reporting this account with * * different information * *, which violates the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, which requires accurate and consistent reporting across all credit reporting agencies.

Furthermore, this debt was allegedly purchased by a debt collector and placed on my credit report * * without providing me proper notice or the opportunity to challenge or validate this debt * *. This action is in direct violation of the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, which requires debt collectors to provide consumers with validation of the debt before continuing collection activity, including credit reporting.

Under * * FCRA 611 ( 15 U.S.C. 1681i ) * *, I am requesting a reinvestigation into this account. Specifically : 1. What steps did the furnisher and the bureaus take to ensure the accuracy of this account?

2. Where are the documents used to validate and verify the accuracy of this debt?

3. Why has this account been continuously reported in a manner that unlawfully re-ages the debt?

I am demanding that you provide me with copies of all documentation used to validate this debt * * within 10 business days * *. If the account can not be properly validated in compliance with federal law, it must be * * immediately deleted from all three credit reports * *.

This inaccurate reporting is causing harm to my credit standing, and I am requesting the CFPBs assistance in holding the furnisher and credit bureaus accountable for these violations. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-09-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Reporting Request for Investigation * * To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate and unlawful reporting of an account appearing on all three credit bureaus under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX 

This account is being reported as a * * collection account every month * *, which is unlawfully extending the statute of limitations under federal law. Additionally, each bureau is reporting this account with * * different information * *, which violates the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, which requires accurate and consistent reporting across all credit reporting agencies.

Furthermore, this debt was allegedly purchased by a debt collector and placed on my credit report * * without providing me proper notice or the opportunity to challenge or validate this debt * *. This action is in direct violation of the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, which requires debt collectors to provide consumers with validation of the debt before continuing collection activity, including credit reporting.

Under * * FCRA 611 ( 15 U.S.C. 1681i ) * *, I am requesting a reinvestigation into this account. Specifically : 1. What steps did the furnisher and the bureaus take to ensure the accuracy of this account?

2. Where are the documents used to validate and verify the accuracy of this debt?

3. Why has this account been continuously reported in a manner that unlawfully re-ages the debt?

I am demanding that you provide me with copies of all documentation used to validate this debt * * within 10 business days * *. If the account can not be properly validated in compliance with federal law, it must be * * immediately deleted from all three credit reports * *.

This inaccurate reporting is causing harm to my credit standing, and I am requesting the CFPBs assistance in holding the furnisher and credit bureaus accountable for these violations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-23 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX I received a electric razor from the company XXXX. On XX/XX/XXXX I used the device for the first time and realized it was defective as the blades were not spinning. I contacted XXXX and they wanted to see a video of the product not working. I sent the video of the defective product and never received a response back even though I was within the return window I then contacted my credit card company ( Apple Card - Goldman Sachs ) and gave them my emails I sent to XXXX, their return policy, and the video of the defective product. However Goldman Sachs resolved the dispute in XXXX 's favor and charged me the original amount ( {$92.00} )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against Security Credit Services regarding unfair and unlawful debt collection and credit reporting practices. Security Credit Services is attempting to collect on a debt that I dispute and that has not been properly validated. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), they have failed to provide the required documentation such as the original contract, complete account history, or proof that they have the legal right to collect this debt. In addition, Security Credit Services is continuing to report this alleged debt to the credit reporting agencies without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting inaccurate or unverified information damages my credit and constitutes unlawful collection activity. Their actions are : Failing to provide adequate validation of the alleged debt. Continuing collection activity while the debt is in dispute. Reporting inaccurate or unverifiable information to the credit bureaus. Causing harm to my credit standing and financial well-being. I am requesting that Security Credit Services 1. Provide full validation of the alleged debt, including the original signed agreement, complete account history, and proof of assignment/ownership. 2. Immediately cease reporting unverifiable or inaccurate information to the credit bureaus. 3. Remove any negative credit reporting related to this disputed account until proper validation is provided. The amount of the alleged debt is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because a fraudulent account, opened in my name without my authorization, remains on my credit report despite confirmation from the creditor that I am not responsible for the debt. 

On XX/XX/year>, I received a written Identity Theft Claim Notice of Determination from XXXX XXXX XXXX ( PCI ). In this letter, XXXX confirmed after their investigation that : The documentation I provided establishes that I am a victim of identity theft. 

I am not responsible for the debt associated with the referenced account. 

They will not resume collection activity in accordance with XXXX XXXX XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ). 

Despite this determination, the fraudulent account continues to appear on my credit report and is negatively impacting my credit standing. I have already provided the XXXX determination letter, government-issued identification, and proof of address to the credit bureau , but the account has not been removed. 

This ongoing reporting violates my rights under the FCRA, which requires that information confirmed as identity theft be blocked from a consumers credit file within XXXX ( XXXX ) business days after receiving proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding missing funds totaling {$6500.00} that were attempted deposits into my XXXX XXXX account, linked to my Current Bank debit card. 
On multiple dates between XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposits were initiated but never posted. 
XXXX XXXX XXXX XXXX XXXX XXXX have confirmed in writing that these transactions were never received by their systems. 
XXXX XXXX has closed the dispute, explicitly directing me to work with my originating bank ( Current ) to initiate a trace. 
I filed a claim with Current Bank ; however, Current denied my claim without providing resolution or initiating the required trace to determine the disposition of my funds. 

This leaves me with {$6500.00} unaccounted for, and both institutions pointing responsibility elsewhere. The lack of accountability and failure to trace the funds constitutes a serious breakdown in consumer protection and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Self Financial Inc.
State: KY

Complaint narrative:
Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. 

Company Names : SELF FINANCIAL/LEAD BANK ( also known as SELF FINANCIAL/LEAD BA ) XXXX XXXX XXXX Account Details : SELF FINANCIAL/LEAD BANK Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} KIKOFF LENDING LLC Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information.

1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.

1681n Willful noncompliance exposes furnishers and reporting agencies to damages. 

Additionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations.

Harm Suffered : Damage to my credit score and reputation. 

Denial of credit opportunities. 

Emotional distress from having to dispute fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief