vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I got a Citi Bank XXXX XXXX XXXX, and someone fraudulently used my card information in different places. I never used the card it was only to be used for Emergency Purchases but by the time I was going to use the card, I found out that someone has used over {$8000.00} worth on my card. I called CITI Bank and for the last 12 months and they kept telling me that I would get refunded but they took my money from my checking account and did not return it. I have been calling nonstop, and they keep giving me the run around and acting as though they are going to pay me my money, but they haven't, so now I am here filing this complaint. It has become so confusing they tried to say that I owe them {$4000.00}, they are just scamming me for my own money.

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 2025-11-21 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

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/year>

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 2025-11-21 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened - XX/XX/XXXX Balance - {$710.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened- XX/XX/XXXX Balance - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened - XX/XX/XXXX Balance - {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Subject : Formal Request for Deletion of Unverifiable Collection Account XXXX XXXX  Capital One XXXX  This letter serves as a formal notice disputing the accuracy, completeness, and verifiability of the following account : Account No. XXXX * * * * ( Original Creditor : Capital One XXXX ). 

The tradeline is defective and legally unverifiable for the following reasons : XXXX XXXX XXXX XXXX : Balance {$1400.00} No proof of assignment or validation has been provided. Reporting is unverifiable.

You are in violation of the following statutes : 15 USC 1681e ( b ) Duty to maintain maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) Right to reinvestigation 15 USC 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted 15 USC 1692g Debt validation requirement 15 USC 1692c Communication restrictions 15 USC 1681 ( E ) ( B ) - Permissible Purposes 15 USC 1681i ( 15 ) ( A ) - Procedure in case of disputed accuracy 1692c - Communication in connection with debt collection 1692g - Validation of debts Because you can not substantiate the accuracy of this information, I demand immediate reinvestigation and permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

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/year>

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 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because inaccurate and unverified information is being reported on my credit file and the furnishers have failed to provide any proof or conduct a proper reinvestigation as required by the FCRA. These false charge-off accounts are causing financial harm, denials, and emotional XXXX, and despite multiple disputes the bureaus continue reporting data that can not be verified. 

XXXX XXXX XXXXXXXX XXXX  High Balance {$1600.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX I have no knowledge of this account and you have not provided any verification required under FCRA 609 ( a ) or 611 ( a ). Reporting a charge-off without proof violates FCRA 602A and 607 ( b ) because the account is not accurate or verifiable. This item must be deleted for failure to verify. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$26000.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX I do not recognize this account and no lawful verification has ever been provided. Continued reporting violates FCRA 602A, 607 ( b ), and 611 ( a ) ( 5 ) because the information is inaccurate and unverified. This account must be removed immediately.

These accounts remain on my report without proper verification, violating federal accuracy and reinvestigation requirements. I am requesting CFPB intervention and deletion of all unverified items immediately.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
I received a summons for this debt without knowing I still owed it or a debt collector was involved. Debt consolidation program was supposed to take care of it. I have made repeated calls and one email to Tenaglia & Hunt to try to resolve this issue. The first and only time I spoke to someone was my initial call after I received the summons. I spoke with XXXX XXXX. I have made repeated call and left repeated messages and the will not call me back. I should not be penalized when I am trying to do my part but they are not responding. Not fair to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I am filing this complaint due to an illegal reinsertion of a previously deleted account on my Equifax credit report. 

This account was removed after I submitted an FTC Identity Theft Report and supporting documentation. 
On XX/XX/2025, Equifax reinserted this account without providing any written notice or documentation explaining what new information was used to verify it.

Under FCRA Section 611 a 5 B, a credit bureau is prohibited from reinserting deleted information unless it provides written notice within five business days and clearly identifies the new information used for verification.

Equifax did not provide any notice.

They did not provide any documentation.

They did not conduct a proper investigation.

This reinsertion is a direct violation of federal law.

I am requesting immediate and permanent deletion of this account and written confirmation that Equifax is in compliance with FCRA reinsertion requirements.

I have attached a copy of my Equifax report from the day prior showing this account was fully removed before being reinserted without notice.

I have attached my FTC Identity Theft Report and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me, causing ongoing negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies is essential for my well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Funds in investor checking account this month of XXXX. Keep getting canceled trying to wire transfer money. Received phone call saying I would have to transfer account to another bank or company. The checking account is restricted ; I'm just trying to make a wire transfer or transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Subject : Formal Request for Deletion of Unverifiable Collection Account This letter serves as a formal notice disputing the accuracy, completeness, and verifiability of the ALL negative accounts : Account No. XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK Account ending XXXX : Balance {$2600.00} I dispute this account as inaccurate, outdated, and unverifiable. Reporting contains conflicting payment data and lacks proof of assignment. The tradeline is defective and legally unverifiable for the following reasons : You are in violation of the following statutes : 15 USC 1681e ( b ) Duty to maintain maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) Right to reinvestigation 15 USC 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted 15 USC 1692g Debt validation requirement 15 USC 1692c Communication restrictions Because you can not substantiate the accuracy of this information, I demand immediate reinvestigation and permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion due to multiple inaccuracies, conflicting entries, and unverifiable information that have severely impacted my credit standing and violated my rights under the Fair Credit Reporting Act ( FCRA ). My credit reports include incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( Experian ), XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX Experian ), XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX TransUnion XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX, TX ( TransUnion ) XXXX which are not associated with me. Additionally, Experian reports erroneous name variations ( XXXX XXXX and XXXX XXXX XXXX ), creating a mixed-file situation that violates FCRA 607 ( b ), 610 ( a ), and 611 ( a ). Furthermore, Experian inaccurately reports a late closed account under XXXX XXXX XXXX XXXX, and all three bureaus erroneously report a DiscoverC charge-off XXXX with a balance of {$11000.00}, despite this debt being canceled under a 1099-C, which violates FCRA 605 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). My Experian and TransUnion reports also contain unauthorized inquiries, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX none of which were authorized or have a permissible purpose under FCRA 604 ( a ) ( 3 ) and 604 ( f ). These errors have caused substantial harm to my creditworthiness, violate the FCRAs accuracy and compliance requirements, and indicate willful or negligent noncompliance under FCRA 616, 617, and 621.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Bankruptcy - CFPB COMPLAINT To : Consumer Finance Protection Bureau Complaint Against : Global Lending Services ( GLS ) Issue : Illegal repossession, breach of peace, unlawful entry into secured property, refusal to assist bankruptcy filer, abusive conduct, wrongful balance demands. 

Year/Make/Model : XXXX XXXX XXXX VIN : XXXX Acct # : XXXX Repo Date : XX/XX/XXXX Case No. : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Summary : Global Lending Services conducted an illegal repossession in California by entering a closed, secured, gated property without consent, violating : California Business & Professions Code 7508.2 ( d ) Cal. Commercial Code 9609 ( b ) ( 2 ) UCC 9610 Civil Code 2983.2 ( a ) The repossession is unlawful and void.

GLS must return the vehicle without requiring payment.

When I called GLSs bankruptcy department, they : Refused to help Repeated company policy instead of following California law Ignored my statutory rights Hung up on me This constitutes abusive, unfair, and deceptive conduct.

Requested Resolution : Immediate release of vehicle XXXX  reinstatement XXXX  redemption Removal of all fees XXXX balance Written confirmation Investigation into bankruptcy department conduct SUMMARY : GLS repossessed my vehicle after I filed Chapter 7 bankruptcy and before proper bankruptcy notice was processed. After attempting to resolve this with GLS, their Bankruptcy Department refused assistance, focused only on internal company policy rather than federal and state bankruptcy law, and hung up the phone on me. I am filing for enforcement. 

VIOLATIONS ASSERTED : 1. Automatic Stay Violations 11 U.S.C. 362 Upon filing XXXX XXXX, all collection actions are required to cease. The repossession took place after I filed bankruptcy, meaning the repossession violated federal bankruptcy protections.

2. Failure to Return Collateral 11 U.S.C. 542 Once bankruptcy is filed, the creditor is obligated to return seized property unless otherwise ordered by the court. 

3. Unfair and Abusive Practices 12 U.S.C. 5531 GLS demonstrated abusive conduct by refusing to assist, prioritizing internal policy over federal law, and prematurely terminating communication.

4. Failure to Allow Good Faith Negotiation GLS refused to discuss repayment, redemption, or reinstatement options, despite federal and state rights to negotiate redemption costs under bankruptcy.

RELIEF REQUESTED : - Immediate compelling order for GLS to restore the vehicle.

- Monetary penalties for automatic stay violations.

- Investigation and enforcement action by CFPB.

- Requirement that GLS adjust process training to prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/scrub> 2025, I purchased XXXX XXXX XXXX XXXX phones from XXXX in XXXX XXXX XXXX MI and paid a {$270.00} down payment. A few days later I experienced severe issues with the service and asked to return the phones. The XXXX XXXX store told me to keep the devices and said they could not take them back. 

On XX/XX/year>2025, I transferred my service to XXXX. Even after I switched carriers, XXXX charged me an additional {$140.00} on XX/XX/XXXX without my authorization. 

Later, XXXX reported a {$1400.00} debt to collections, which I do not owe. I repeatedly contacted XXXX and requested a billing explanation, return instructions, and proof of the debt. They did not provide any clear information. 

I am requesting CFPB assistance because XXXX is attempting to collect money I do not owe and placed me in collections despite their own store telling me to keep the phones and refusing to process the return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: HI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-21 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief