vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Received an email about a credit card account being opened with citi custom cash on XX/XX/year>. I called on XX/XX/year> to citis fraud/identity theft department to report the account. They said that they were going to close the account and had it flagged. Said there was no balance at the time I reported it. I received another email on XX/XX/year> stating that a card was being sent even after me flagging the account and Citi stating they were closing it. XX/XX/year> received another email stating that there is a {$0.00} balance. 

I need this account closed completely. Whoever opened the account used my maiden name which should have been a red flag to begin with.

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 2025-06-30 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 2025-06-30 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts 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 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 non-monetary relief
Consumer complaint received 2025-06-30 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: Block, Inc.
State: VA

Complaint narrative:
Charges on my cash app card, my new card was deactivated for dispute. I was told to send money to another person 's card to use my money. They told me it would be XXXX to XXXX  days. Nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a XXXX XXXX XXXX XXXXXXXX XXXX XXXX account ( Acct # : XXXX ) being reported by Experian. This account has had no activity since XXXX, yet Experian continues to report monthly charge-offs through XXXX. I previously disputed this account. On XX/XX/XXXX, Experian responded that the account will remain on your credit report but provided no verification or supporting documents. 

This appears to violate the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 6 ) ( B ) ( iii ) : No method of verification was provided 1681i : Inadequate reinvestigation 1681c ( a ) ( 4 ) : Item is approaching the 7-year limit and should qualify for early exclusion 623 ( a ) ( 1 ) ( A ) : Continued furnishing of misleading or outdated information I have sent Experian a Method of Verification letter via certified mail and request that this account be fully verified or deleted. I am attaching supporting documents.

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 2025-06-30 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 am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I have not applied for credit with the companies listed below, and I did not authorize these inquiries. These inquiries are negatively affecting my credit score and were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Issue Description : I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly block and remove fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ) following my identity theft report. 

I formally disputed the following accounts on XXXX XXXX XXXX and provided supporting documents including my government-issued ID, proof of address, and a police report/FTC Identity Theft Report. Despite this, the following accounts remain on my credit report : Fraudulent Accounts to Be Blocked ( per FCRA 605B ) : Collections & Charged-Off Accounts : XXXX XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$16.00} Charged Off Delinquent Student Loans ( XXXX XXXX  XXXX / XXXX ) : 4. {$3500.00} 180 Days Late 5. {$1800.00} 180 Days Late 6. {$1100.00} 180 Days Late Secured Loans : 7. XXXX XXXXXXXX XXXX XXXXXXXX {$10000.00} 60 Days Late ( Paid ) 8. XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} 30 Days Late ( Paid ) Auto Loan : 9. XXXX XXXX XXXX {$22000.00} Repossession These accounts were opened or reported without my authorization. Under the FCRA, once a consumer submits a valid identity theft report, the credit bureaus are required to block fraudulent information within 4 business days. The credit bureaus have failed to comply. 

What I want : I want all 9 of these accounts permanently removed ( blocked ) from my credit reports with all three credit bureaus ( Experian, Equifax, and TransUnion ) in compliance with FCRA 605B. I also request a written confirmation of the removal and an updated copy of my credit report.

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 2025-06-30 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:
This letter serves as my formal dispute of a late payment reported inaccurately on my credit file. The mark is not consistent with my verified payment history and is negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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

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 2025-06-30 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was added as an authorized user to an Apple Credit Card that belonged to my ex-boyfriend in 2022. He was behind on his payments, but I was not the account owner and therefore I don't understand why it is on my credit report. I was an authorized user for that Apple credit card in 2022 and have not used it in nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
I recently reviewed my credit report and discovered that Jefferson Capital Systems , LLC is reporting a debt allegedly owed by me. I was never notified of this debt within XXXX ( XXXX ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a violation of federal law. 

Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide the following documentation in compliance with federal requirements and relevant case law : The name and address of the original creditor. 

A copy of the original, signed contract or other instrument bearing my signature that allegedly created the debt. 

A complete chain of title, including a notarized contract of assignment and any subsequent assignments. 

Proof that Jefferson Capital Systems has legal standing and authority to collect this debt. 

Itemized accounting and breakdown of the amount you claim is owed. 
Case law supports that a debt collector must be able to provide proper documentation showing the assignment and ownership of a debt to have standing to collect : Galiano v. Fidelity Natl Title Ins. Co., 684 F. Supp. 2d 1210 ( E.D. Cal. 2010 ) An assignee must prove a valid assignment in order to enforce a debt.

Adams v. Zarnel, 619 F.3d 156 ( 2d Cir. 2010 ) A party seeking to enforce a claim must demonstrate standing through a clear chain of title.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Simply asserting ownership is not enough ; evidence of assignment must be produced.

Until such documents are provided, you are to cease all collection activity and remove any negative tradeline associated with this alleged debt from all consumer reporting agencies immediately pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Be advised that failure to comply with this request will result in legal action against your company, including but not limited to claims for damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. This letter serves as a formal dispute and notice of intent to litigate if the unlawful reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint against Citibank regarding what I believe to be an unacceptable level of customer service and a disregard for loyal customers.

I have been a Citi credit card customer for over 11 years, consistently paying off my balances in full each month and maintaining an excellent payment history. Despite this, I have experienced a series of frustrating and unresolved issues over the past few months that have left me deeply disappointed.

The first concern arose when my Citi Rewards+ card was abruptly closed without any prior notification. When I contacted Citibank for an explanation, I was told only to refer to a letter that had been mailed. No further context or justification was provided by the representative. As a long-standing customer, I found this response both unprofessional and unacceptable. 

The situation escalated on XX/XX/year>, when I received an email notifying me that my credit limit was being reduced on my Citi Double Cash card. I followed the instructions in the email and called the number on the back of my card to request a reinstatement of my original credit limit. Unfortunately, the representative I spoke with was dismissive, showed no concern for my frustration, and appeared to rush me off the phone after simply submitting a credit limit increase request which was not what I had asked for. I had requested a reinstatement of my previous credit limit, not a generic increase. 

Due to the lack of care shown, I called back and spoke with a different representative who was much more professional and empathetic. She took the time to understand my situation and submitted the correct request. However, I was later informed that the request had been denied with no option for further consideration, and I was once again left without a clear explanation. 

I now have XXXX open credit cards with Citibank, and my payment history is spotless. It is incredibly discouraging to be treated this way after more than a decade of loyal business. This experience has led me to question whether Citibank values its long-term customers at all. 

I am requesting that Citibank reinstate my original credit limit on my Citi Double Cash card, or at the very least provide a clear and valid explanation as to why it can not be reinstated. I would prefer to continue my relationship with Citibank, but if this situation is not resolved fairly, I will be forced to reconsider and may also share my experience with my broader personal and professional network. 

I appreciate your time and attention to this matter.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I logged into my bank account to check my transactions and I noticed I had XXXX withdrawals that were processed at a Bank of America in XXXX. The amounts were for : {$990.00} {$990.00} {$990.00} {$990.00} {$980.00} {$980.00} I contacted Bank of America on XX/XX/XXXX to report the fraud and even made them open a new account and transfer my remaining funds to my new account to prevent any more fraudulent activity. The bank reported the account as fraudulent and sent me a new debit card in the mail, which I received already. As of today, XX/XX/XXXX I have not had any new updates on my case.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Via CFPB Portal Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : Response to XXXX XXXX / XXXX Complaint ID No. XXXX Consumer : XXXX XXXX To Whom It May Concern, I am writing to follow up on the response provided by Avant LLC regarding my previous complaint and dispute of inaccurate information appearing on my credit report. 

I respectfully disagree with XXXX conclusion that their reporting was accurate. Despite my multiple formal disputesincluding my original filing on XX/XX/XXXX, and again on XX/XX/XXXX, XXXX have not been provided with any verifiable documentation substantiating the alleged XXXX late payment for XX/XX/XXXX. Instead, XXXX  refers me to their dashboard and reiterates general policies from their Cardmember Agreement, but fails to provide : A complete ledger of payments and dates received ; Documentation proving notification of late payment was sent and received ; Clear evidence validating that the payment in question was actually XXXX days late under the FCRA definition. 

Furthermore, my credit file currently reports this account as Current and with a {$0.00} Past Due balance, which contradicts the derogatory status previously reported. XXXX own response also states that only XXXX XXXX delinquency was reported, despite the credit bureaus initially showing both XXXX and XXXX late marks, which signals inconsistency and further supports my claim of inaccurate or unverifiable data. 

Under the Fair Credit Reporting Act ( FCRA ), data furnishers like XXXX are required to maintain reasonable procedures to ensure maximum possible accuracy of information they report ( XXXX ). If they are unable to fully verify the negative item with documented evidence, they are obligated to delete the item. 

Therefore, I am requesting the following : A copy of the full payment history and date-stamped ledger supporting the alleged delinquency ; A copy of any proof of notice sent to me regarding the alleged late payment ; If verification can not be completed in accordance with the FCRA, I request immediate deletion of the derogatory marks from my credit reports ; A formal notice of the reinvestigation results and an updated copy of my credit report as required by XXXX XXXX Code XXXX ( a ) ( XXXX ). 

This account has caused undue damage to my credit profile, and XXXX has not met the burden of proof required to continue reporting derogatory information. I am requesting CFPBs assistance to ensure compliance with federal credit reporting laws and protect my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Phone : ( 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 2025-06-30 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= XXXX + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 non-monetary relief