vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed.

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account.

Please provide me with the name and address of the bonding agent for CitiBank N.A., in case legal action has to be taken.

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter.

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved!

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Auto Loan > Repossession I am filing a complaint against Santander Consumer USA for failing to investigate and resolve vehicle damage caused during a repossession by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH ). 

My XXXX  vehicle was repossessed by being dragged out of a parking space by two wheels. Multiple neighbors witnessed this. The manufacturer requires XXXX vehicles to be towed using a flatbed only. A licensed mechanic confirmed that the vehicles transmission was damaged due to this method. 

Despite the evidence ( including sworn witness statements and a repair estimate ), Santander has declined to investigate or suspend the loan, and I am still being forced to make payments on a damaged vehicle. XXXX XXXX XXXX refuses to provide any documentation or video of how the tow was performed. 

I request CFPB review Santanders conduct, hold them accountable for ignoring this damage, and help obtain relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
On XX/XX/year>, UCS-XXXX responded to a previous CFPB complaint by uploading detailed personal health records tied to my dependents dental procedures. This includes XXXX such as treatment codes, billing statements, and insurance documentation. These disclosures constitute a violation of HIPAA under 45 CFR 164.502 ( b ), 164.504 ( e ), and 164.530 ( c ). Furthermore, UCS is not the original provider, and there is no proof of a valid Business Associate Agreement authorizing them to access or disclose such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing this as both a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a formal complaint regarding the inaccurate and misleading reporting of a repossession account on my credit report. 

The account in question, which I co-signed, was opened on XX/XX/XXXX, and repossessed once on XX/XX/XXXX. There has been no further repossession activity since that date. 

However, my credit report is showing : The repossession date is missing entirely which conceals the fact that the repossession occurred in XXXX. 

The account is being reported as if it was repossessed again in XXXX and XXXX which is false and misleading. 

Ongoing late payments and non-payments are being reported to this day, which is impossible because the loan was closed after the XX/XX/XXXX repossession. 

The creditor has stated that the only resolution would be to pay the entire balance in one lump sum, refusing to provide any payment plan option an unreasonable and punitive condition that further proves the account is being mishandled.

This reporting is factually incorrect, creates the false impression that I have experienced multiple repossessions, and severely damages my ability to obtain financing for a vehicle or any other credit. 

Under the FCRA, it is illegal to : Re-age a debt or change the original delinquency date in order to extend the reporting period. 

Report false, misleading, or incomplete information. 

Continue to report ongoing delinquency on a closed 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 monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
I was XXXX at the scene of a car accident on XX/XX/XXXX. At some point after the accident someone in the area of the accident stole my debit card out of my vehicle ( along with many other things ) but this person used my card at an atm until my account was empty. I was released from XXXX on XX/XX/XXXX and learned of the transactions on XX/XX/XXXX ( the same day I notified the bank about these transactions. They denied my claims and my appeals, I sent them documentation of my arrest date and my release date. 

Transactions : XXXX {$360.00} XXXX {$130.00} XXXX {$130.00} XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following items ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days. Creditor name : LVNV Funding LLC According to FCRA Section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file 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 2025-07-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : DEPTEDXXXX Account Number : XXXX Open Date : XX/XX/2015 Balance : {$5300.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This item is either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I made a partial purchase using PayPals Pay in 4 service totaling {$440.00} from ssense. The order included a shirt and shorts. I returned only the shorts, and they were received by the merchant. 

Despite providing return tracking and proof of delivery, I never received a refund for the shorts. I opened a dispute with PayPal ( Dispute Case ID : XXXX ), but they denied my claim, stating the transaction was processed correctly even though the merchant has the returned item and did not issue the appropriate refund. 

I am now being required to pay the full amount, including for an item I no longer have. PayPal did not protect me as a buyer, and Im requesting help from the CFPB to recover the refund Im owed and correct the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report.

My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  ACCOUNT # XXXX MORTGAGE WITHE CHANGED DATA DUE TO DATA BRECHES XXXX XXXX XXXX  ACCOUNT # XXXX LINE OF CREDIT WIYH XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  THAT ARE REFLECTING MORE THAN ONCE FOR SAME ACCOUNT DEPT OF EDUCATION XXXX  ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX XXXX SIMPLE ACCOUNT # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. l 've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, cand hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
A fraudulent account is currently listed on my credit report. I have never had any relationship with the company reporting this account, and I believe this to be a case of identity theft or reporting error.

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 2025-07-31 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 writing to formally dispute an account that has been inaccurately and fraudulently reported on my credit file. I have never opened this account, nor have I authorized anyone to do so on my behalf. Its appearance on my credit report is false, harmful, and not a reflection of my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-31 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: OH

Complaint narrative:
I checked my credit report and I found an account that was incorrect on my credit report. It was reported as XXXX XXXX XXXX under the account number XXXX in the amount of {$1600.00}. It showed that a company that I have never heard of, XXXX, was the original debt. I contacted XXXXXXXX XXXX XXXXXXXX directly numerous times and requested debt validation. They never responded to any of my requests, which is a violation of my rights under FCRA 611 [ 15 U.S.C. 1681i ]. 

I contacted XXXX directly and they emailed me a lease agreement for a XXXX XXXX that cost {$810.00} and the agreement was for {$1700.00}. I knew immediately that this was inaccurate because for one, I don't use PC 's. I exclusively use XXXX products and only purchase XXXX And I would NEVER agree to pay double the price for something. That is criminal in itself. And again, I have never even heard of this company. And thank goodness because if they are ripping customers off like this, I would never use their services. And I mean NEVER! 

So I immediately filed a report with IdentityTheft.gov I am requesting that XXXX remove this account from my credit report under Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) - Block of Information due to Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 contacting you with serious concern regarding an account listed on my credit report that I did not open, authorize, or consent to. I believe this account was opened fraudulently, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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