vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Credit Management, Inc
State: GA

Complaint narrative:
TCM INCORPORATED- CORINT report an item I have no knowledge of and I was not notified about the debt and has not received any notification from TCM about the debt or rights to dispute the debt.

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 2025-08-30 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: Revolut Technologies Inc.
State: KY

Complaint narrative:
Issue : Failure to follow Regulation E in handling my dispute. 

What happened : I filed a dispute with XXXX on XX/XX/year> regarding a transactions in the amount above {$200.00}. More than 10 business days have passed, but I was not provided provisional credit as required under 12 CFR 1005.11 ( c ) ( 2 ) ( i ). XXXX repeatedly told me the matter was with the merchant and refused to accept responsibility. They also initially refused to disclose the name of the issuing bank, obstructing my ability to escalate. 

Why this is a violation : Under Regulation E, the issuing bank ( not the merchant ) is responsible for investigating errors and providing provisional credit within 10 business days. 
XXXX, acting as the service provider, improperly shifted the burden onto me as the consumer. 
By withholding the partner banks name, XXXX further obstructed my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against CFPBs Handling of My Dispute Request for Reinvestigation To Whom It May Concern, I am submitting this complaint regarding the inadequate and incomplete investigation conducted in response to my previous dispute. I believe the Consumer Financial Protection Bureau failed to complete a thorough investigation and dismissed critical facts that directly impact the accuracy and legitimacy of the account in question.

Specifically : No Valid Agreement Exists There is no contract or agreement between myself, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my request, no document has been provided that shows my authorization or consent to this alleged account. 

Failure to Provide XXXX Signature and Verification Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to request all information in the consumers file, including application records and signed agreements. I specifically requested a copy of the original contract with my wet signature as verification of this account. No such documentation has been provided.

Failure to Conduct a Reasonable Reinvestigation Under FCRA 611 ( a ) ( 1 ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of disputed information. Closing the dispute without obtaining proof of a signed agreement or full verification does not meet the standard of a reasonable investigation.

Accuracy Obligations Not Met Per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information ( in this case XXXX XXXX XXXX XXXX ) may not report information they know or reasonably should know is inaccurate. Continuing to report an account without producing evidence of my agreement or obligation constitutes a violation of this section. 

It appears the CFPBs initial review was frivolous and superficial, as the most basic elements of verification and validation were overlooked. This reflects a pattern where investigations are closed prematurely without fully addressing consumer concerns. 

I am therefore requesting a full reinvestigation of this matter, with accountability measures to ensure XXXX XXXX XXXX XXXX complies with its obligations under the FCRA. If the company can not produce a signed agreement or proper verification of this account, it must be removed from my credit profile immediately. 

Thank you for your time and for giving this matter the complete review it requires. 

Respectfully, 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 2025-08-30 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: FL

Complaint narrative:
This complaint is being filed to request that Experian block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Experian is required to block such information within four ( 4 ) business days of receiving this notice. The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX  XXXX XXXX Creditcard account with Account charged off status. XXXX {$2100.00}, pastdue {$510.00} and writtenoff {$2400.00} as of XXXX. XXXX XXXX XXXX XXXX account chargedoff with a {$3000.00} balance written off. Pastdue amount {$3000.00} as of XXXX. XXXX XXXX XXXX XXXX account with status Account charged XXXX late. XXXX {$4300.00} ; pastdue {$4300.00} as of XXXX. Also a unauthorized hard inquiry from XXXX - XXXX on XXXX XXXX of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which affirms these items as fraudulent.

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 2025-08-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to voice my strong frustration with the recent overhaul of Citis Virtual Account Number XXXX XXXX XXXX system. What Citi has described as an update feels, in practice, like a serious downgrade that strips away many of the protections and conveniences that once set your program apart.

For years, Citis virtual cards offered excellent safeguards against fraud and gave customers meaningful control over how their accounts were used. That trust has now been undermined by the fact that these latest changes that limit functionality instead of enhancing it. 

Here are the most troubling issues Ive encountered since the update : No real spending precision. Instead of entering an exact dollar amount, customers are forced to choose from pre-set limits of {$25.00}, {$50.00}, {$75.00}, {$100.00}, or {$300.00}. This blunt approach defeats the purpose of having true control over spending. 

Locked initial limit. Previously, cardholders could adjust a cards spending limit after creation if circumstances changed. Now the amount is fixed, which creates unnecessary headaches and security concerns. 

Expiration dates stripped of flexibility. The ability to set short-term expirations such as one month out was a vital way to prevent fraud. Now every virtual card defaults to a three-year cycle, automatically renewing, which leaves accounts far more exposed. 

No longer usable for recurring charges. With the new one-transaction-per-VAN/CVV/expiration combo rule, it is effectively impossible to keep a XXXX on file for subscriptions or trusted merchants. This eliminates one of the main use cases for virtual cards. 



Collectively, these changes send the message that Citi is prioritizing merchant convenience over customer security and choice. And that is profoundly disappointing. 

I can tell you that these frustrations are not mine alone. Online discussions across several forums show that many long-time Citi customers are reevaluating their relationship with the bank as a result of these updates : https : XXXX https : //www.bogleheads.org/forum/viewtopic.php? XXXX https : XXXX https : XXXX https : XXXXXXXX XXXX XXXX XXXXXXXX Virtual cards were a deciding factor in my decision to use Citi products, and I know I am not alone. 

If Citi does not restore the features that once made VANs so valuable custom limits, adjustable expiration dates, and proper support for subscriptions you risk losing a segment of customers who care deeply about security and responsible card use. 

I urge you to escalate this letter to the product team overseeing Virtual Account Numbers. 

A reversal of these changes would demonstrate that Citi still values its customers trust and safety.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate credit reporting. Furnishers and credit reporting agencies are required to ensure that any information they report is complete and accurate. Reporting a bankruptcy that does not belong to me, or that is inaccurate in any way, violates this requirement.

I am requesting the CFPBs assistance in ensuring that this inaccurate bankruptcy is properly investigated and removed from my credit file.

Attached are copies of my supporting documentation, including prior dispute letters and responses.

I respectfully request that the CFPB require the credit reporting agencies and any furnishers involved to : Conduct a full investigation into this inaccurate bankruptcy reporting.

Remove the inaccurate bankruptcy entry from my credit report.

Provide written confirmation of the correction.

Thank you for your 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I payed a collections account off in full. But still says unpaid on my credit report. They can confirm that I paid too. The total amount was {$160.00} in collections and I want that collections account removed completely. The name of the collections company Is called First Point Collections Resources inc. The original creditor was XXXX XXXX. I payed the full amount in FULL but its not up to date and its not accurate at all so therefore I would like it to be removed please. I called over the phone and spoke to her and payed by phone along with another account which the amount was smaller but wasn't reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
Unauthorized accounts opened under my name 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

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 2025-08-30 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: ND

Complaint narrative:
In XX/XX/XXXX, I discovered that I was a victim of identity theft. A fraudulent auto loan was opened in my name with XXXX XXXX XXXX ( Account # XXXX ) for approximately {$54000.00}. This account was not authorized by me and appeared on my credit report. I reported the fraud to the FTC ( Report # XXXX, filed on XX/XX/XXXX ) and began the dispute process. 

In addition to the fraudulent XXXX XXXX XXXX loan, there are multiple inaccurate and unauthorized accounts and notations still appearing on my credit file, including : XXXX XXXX auto loan accounts reporting inaccurate payment histories and derogatory data. 
XXXX revolving account marked as charged-off with unverifiable reporting. 
XXXX XXXX collection for {$56.00} with conflicting dates. 

There are also unauthorized hard inquiries on my reports, including from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), and several auto loan inquiries between XXXX XXXX. These inquiries were not authorized by me and lack permissible purpose under 15 U.S.C. 1681b.

I have formally disputed these accounts and inquiries with the credit bureaus under the FCRA, requesting that all fraudulent and unverifiable information be blocked and deleted. Verification is not validation, and the information remains inaccurate and harmful.

Despite my actions, these fraudulent and inaccurate items continue to appear on my credit reports, causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I received a letter from Credit Control , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) stating that they were attempting to collect a debt from an XXXX XXXX XXXX from XXXX XXXX. The are stating that I owe {$1700.00}. This debt has been negotiated and paid through a debt consolidation company that I used, Achieve. This was done two years ago and I do not owe any money to XXXX XXXX  for this account.

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 2025-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: KS

Complaint narrative:
Vance & Huffman , LLC is reporting a XXXX XXXX payday loan on my credit report as opened on XX/XX/year>. While the loan is valid, the information being reported is inaccurate. The original loan amount was {$1000.00}, but they are now reporting a much higher balance that appears to include excessive or improper late fees. This inflated amount does not reflect the original loan terms. I am requesting that the company provide an itemized breakdown of the balance and correct the reporting so it shows the accurate debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am filing this complaint regarding serious and damaging inaccuracies on my credit report related to my student loans. 

While in the process of attempting to purchase a home for myself and my XXXX children, I discovered that my credit score had dropped by nearly XXXX points due to the way these student loans were reported. This drastic and unjustified drop has harmed me financially, denied me a fair opportunity to secure housing, and has placed me in a vulnerable position as a single mother XXXX XXXXXXXX. 

Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), a creditors failure to properly reflect payments, or making accounting errors in statements, constitutes a billing error. I was not given proper notice or accurate reporting of my accounts, and as a result, late payment notations were placed on my report even when payments were made or when errors occurred on the part of the creditor/servicer.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers of information have a legal obligation to ensure maximum possible accuracy of information reported. Failing to do so constitutes defamation of character and results in civil liability for damages caused to the consumer.

I respectfully request that this matter be fully investigated. Specifically, I ask that the inaccurate student loan tradelines and late-payment notations be updated to reflect accurate reporting or removed entirely from my credit file. I further request written confirmation of the corrective actions taken.

Please be advised that if this matter is not resolved, I reserve my right to pursue remedies under 15 U.S.C. 1681n for willful violations, including monetary compensation for the damage done to my creditworthiness and reputation. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally dispute the closure of my XXXX XXXX credit card account, which was unjustifiably closed on XX/XX/year>. I have contacted customer service department regarding this matter, but the responses I received were vague, unsatisfactory, and failed to provide any clear reason for the closure. I also hold a XXXX credit account through Synchrony Bank, and shortly after raising concerns about the XXXX XXXX account, I noticed that my credit limit on the XXXX card was abruptly reduced to {$100.00}. This appears retaliatory and further compounds my concern about the fairness and transparency of your actions. To this day, I still do not understand why my account was terminated. I maintained the account responsibly and was not informed of any issues or violations. The lack of transparency and communication is unacceptable and has left me confused and concerned about the integrity of your decision-making process.

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