vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I believe Citi and XXXX engaged in deceptive and unfair marketing of the XXXX XXXX XXXX promotion. 
XX/XX/2025 : I applied online for the card after seeing an offer promising a XXXX XXXX XXXX XXXX and an Executive Membership upgrade. The application path never disclosed that the gift card was limited to new members whose accounts had been inactive for 18 months or more. 
XX/XX/2025 : A XXXX chat agent first raised that restriction after I was approved. 
XX/XX/2025 : XXXX XXXX phoned me in response to my written complaint. The representative said the promotion is clearly explained on the website and is not guaranteed. Pointing to fine-print after the fact does not cure a misleading omission made at the moment of decision. 
This concealment violates the CFPBs prohibition on deceptive acts or practices in advertising credit-card rewards. I relied on the promise when I applied ; the key condition was buried, not clear or conspicuous.

XXXX XXXX # : XXXX ( XXXX XXXX ; exp. XX/XX/XXXX  ) Applicant : XXXX XXXX XXXX XXXX XXXX application date : XX/XX/XXXX  ( XXXX/Citi online )

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts currently appearing on my credit report. These accounts were neither opened by me nor authorized by me. Their presence is factually inaccurate, legally improper, and detrimental to the integrity of my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXX - XX/XX/year> I have already disputed these items directly with Equifax, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-09-24 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SMS Financial, LLC
State: FL

Complaint narrative:
The company called me and threaten to sue me for business debit with personal guaranty from XXXX that has past its status of limitation and lied and said that i have made a payment on XXXX which did not happen and i have never even got in contact with this company or any other company in regards to this debt since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This was Citibank of New York. A person stole my identity and my account information. Used it to make a purchase, and then have someone sign for the package. I called Citibank to tell them that my card was compromised. They gave me a new card and credit me my money which was {$710.00}. The thief had made a purchase at the XXXX store Incorporated XXXX XXXX North Carolina. After Citibank did they investigation they concluded that I was the one responsible and took back the {$710.00}. the date of this purchase was XX/XX/year>. I called Citibank to notify them that the signature was not mine and the address was not mine. As of today XX/XX/XXXX I've heard no response back from them. I need help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I was on XXXX XXXX plan and did switch to the XXXX XXXX XXXX  by calling the phone line. The agent switched the plans and told me that my previous plan is paid till the end of the month and a new plan will start at the beginning of the month and it was paid at the time of switching. 

Information from my email : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Your order is confirmed Thanks for choosing us. Kick back and relax we'll take it from here. 
The important stuff Order number XXXX XXXX address : [ deleted ] If your equipment is to be shipped, we'll send tracking info once it's on its way. 
How you paid XXXX ending in [ deleted ] Monthly price XXXX Mbps XXXX XXXXXXXX Thu, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Internet disconnected Cancellation details Last day of service : XX/XX/XXXX Services being disconnected : XXXX  Note that I paid upfront for this service, so it was paid in the previous month. 

Fri, XX/XX/XXXXXXXX XXXX XXXX - New charge after the XXXX internet was disconnected Thanks for your payment Your automatic payment was processed successfully. 
Here are the details of your payment : Account number : Ending in [ deleted ] Payment amount : {$48.00} Payment date : XX/XX/XXXX Sun, XX/XX/XXXX, XXXX XXXX XXXX XXXX  Internet is activated. 
You'll be charged again in 30 days. Until then, go enjoy everything the internet has to offer. 

Sun, XX/XX/XXXX, XXXX - I disputed the payment for the cancelled XXXX  service Email from my bank : We resolved your dispute Account ending in : [ deleted ] We credited the disputed amount back to your account : Merchant Name Amount Date XXXX / XXXX {$48.00} XX/XX/XXXXXXXX  Tue, XX/XX/XXXX, XXXXXXXX  - I was charged for XXXX  Internet Now plan Thanks for your payment. We charged {$30.00} to your XXXX  ending in [ deleted ]. You're set for another month. 

Thu, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX send me email : Pay your bill to avoid losing service XXXX your overdue balance to avoid losing service You have an overdue balance of {$32.00}. If we do not receive your payment by XX/XX/XXXX, your services will be turned off Wed, XX/XX/XXXX, XXXXXXXX  - Sequium Customer Support sent me email : Concerning your XXXX Account ending XXXX  [ deleted ]. Reference XXXX Sequium Asset Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. 
Our information shows : You had a XXXX account with account number ending XXXX [ deleted ]. 
As of XX/XX/XXXX, you owed : {$32.00} Between XX/XX/XXXXXXXX  and today : You were charged this amount in interest : + You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$32.00} Why am I being charged for the service that was already paid for?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Cease and Delete Request/ Validation To Whom It May Concern, I am filing complaint against XXXX XXXX, in violation of multiple consumer protection law. Unverifiable, erroneous Eviction being reported that im not aware of, nor have knowledge about. 
Violations committed : 1. Fair Credit Reporting Act ( FCRA ) -15- U.S.C . & 1681i & 1681s-2 ( b ) The Furnisher failed to conduct a reasonable investigation anad continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e. the reporting of this eviction is deceptive, as no final judgement or public record proving I legally owe this debt has been provided.

3. Gramm-Leach Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under & XXXX. 
4. No proof of ownership or assignment of debt : The Funisher has not presented original lease agreement, judgment, or chain of assignment to prove standing. I asked for validating information, Signatures, ID used, ssn card used.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and unseen consumer reporting agencies. 
to formally notify you of inaccurate and/or obsolete information appearing Please provide me with a written confirmation of deletion within 30 days of receipt of this notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Continuously reporting Bad, non verified Adresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX please removed these addresses from my file and delete all futuristic reporting of unverified addresses under my name or my family places of residences. 

XXXX XXXX no accurate and misleading Bankruptcy cases that were obtain without my permission which violates my privacy rights and disclosing without my permission for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) 15 U.S.C. 1681g ( a ) ( 1 ) 15 U.S.C. 1681i 15 U.S.C. 1681n FCRA- violations.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal dispute of fraudulent accounts listed under my name on my credit report. I had no involvement in the creation or authorization of these accounts. Their presence is false, misleading, and harmful to my credit profile.

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 2025-09-24 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: TX

Complaint narrative:
I am writing to dispute the inaccurate late payment reported on my credit record. This information is false, as I have consistently made on-time payments. The reporting of this error unfairly damages my credit profile and misrepresents my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-24 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid {$870.00} in move-out charges in full via cashiers check when transferring units within XXXX XXXX. I got a call a few months later from corporate that I owed an amount of {$870.00}. I immediately raised this issue with the property manager, who confirmed in writing that my account was cleared and that the collection reporting was an error. He confirmed that i was in good standing, and there was an error on the collection agency 's side. A couple months go by and i am recieving a call from a debt collector. Meaning that they chose to further escalate the matter. I emailed the property manager this time and he confirmed again. I followed up many times and requested he let me know if it was " fully resolved '' and he said yes. Despite this, XXXX and Sequium Assets have failed for months to correct the record. In XX/XX/XXXX, the account was reported to credit bureaus as a rental collection. This false reporting has lowered my XXXX  score and caused repeated denials of XXXXXXXX XXXX applications, leaving me in a vulnerable housing situation. I am not able to secure new housing. I have attached proof of payment, email confirmations from XXXX, and a full timeline of events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I want to inform that Cash app has restricted my account saying that my bank said that I disputed the amount of {$500.00} however I contacted my bank and advised them that the dispute was incorrect and I accidentally did it. They have reversed it, but Cash app said they still have never received. The funds in my account is still blocked which you shouldnt be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MT

Complaint narrative:
I was trying to rent an apartment and I was told that I had an eviction and unpaid debt for it and it has had a great impact on my ability to find housing. I was sent a Lease agreement with my name on it and a forged signature for a debt that said I owed a leasing company XXXX dollars and tagged on a bunch of extra charges that they sent no documentation of proof for. I received only a lease agreement. No proof and I can also prove that signature was forged I never signed anything or spoke to anyone about these things for years I have been trying to figure out a way to find a solution through disputes through XXXX XXXX I just recently received some legal advice on what to do and am acting accordingly now to resolve this issue and get this debt removed. I also am attaching photos with location stamps on them proving I wasn't in the state. I have included a copy of the letter I sent them as well and old checks and signatures from courthouses throughout the years to prove that is not my signature. According to the 15 U.S.C 1681 Law there should not be any damages on my report it is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IN

Complaint narrative:
My partner sent money to me via cash app on XX/XX/year>. When I tried to withdraw the on dry for bills into my bank account on XX/XX/year>, cash app wouldn't allow me and said my account was suspend even though they accepted the {$500.00} that weekend. I contacted customer service, in which they said theyd email me that day. I never heard back from them. Its now XXXXXX/XX/year> and still no response after contacting them each day. I feel my funds are being held hostage ; especially since cash app hasn't provided one reason as of why my account is suspend. I just got off the phone the phone today XX/XX/year> and they are still saying they'll email. No response. This is now causing late fees on my bills. This also affects my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
What happened? 
In XXXX, I moved out of a XXXX XXXX in XXXX, MI and relocated to Georgia with XXXX XXXX  approval. I paid my rent in full and provided a forwarding address, but never received a proper move-out statement. Later, National Credit Systems began reporting a debt under the wrong name and address, with inconsistent amounts.

I requested validation, including a lease copy, itemized charges, and payment history, but the company only sent generic documents and could not provide actual proof that this debt is mine. The balance has changed over time, and part was removed without explanation.

This has damaged my credit reports even though I should not owe this debt.

Company response to consumer: Closed with explanation