vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I am filing this complaint regarding my former apartment residence managed by XXXX XXXX XXXX XXXX XXXX at the time of my tenancy in XXXX. I am seeking resolution and accountability for a serious financial discrepancy that occurred during my move-in process and was never addressed, despite multiple attempts and clear evidence on my part. In XXXX, I applied for and was approved for an apartment while I was XXXX. The property manager at that time, XXXX XXXX, handled my application and move-in. When it came time to move in, I was told I needed to pay a security deposit totaling {$3000.00} an amount listed on the official move-in statement, which I have in my possession. However, when reviewing my lease later, the " Deposit '' section showed {$0.00} as the required deposit. Additionally, a payment receipt report, obtained later from the then-current property manager XXXX XXXX , reflected only {$500.00} recorded in the system. This means over {$2500.00} was unaccounted for. When I brought this discrepancy to XXXX XXXX, he acknowledged the issue and even confirmed that XXXX XXXX was no longer employed with the company due to stealing from multiple residents. I also have written proof from XXXX XXXX stating that my apartment would be put on hold while they investigated where the money went. In XX/XX/year>, I gave birth to my daughter XXXXXXXX XXXX XXXX She remained in the hospital for XXXX months a very difficult time for me and my family. Despite these challenges, I continued paying my rent and tried to remain in good standing. However, no one from the management resolved the deposit issue. To this day, the situation was never rectified. This deposit discrepancy has now affected my rental history and credit, and I am seeking to have it formally acknowledged and corrected.

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 2025-07-05 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: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I applied for auto loans through XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All applications were denied. Upon investigation, I found that my credit report was temporarily frozen at the time due to prior identity theft concerns. 

These lenders denied my applications without notifying me of the issue or giving me an opportunity to unfreeze my credit and resubmit. I was also not provided proper adverse action notices, as required by the Fair Credit Reporting Act ( FCRA ). 

These actions violated my rights under the FCRA in the following ways : XXXX XXXX XXXX XXXX They attempted to access my report without success due to a credit freeze, yet failed to notify me or obtain proper permission to proceed. 

XXXX XXXX XXXX XXXX ( a ) They did not provide complete and timely adverse action notices, which must explain the specific reasons for denial and the source of the credit report used. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) I was not given a reasonable opportunity to dispute or correct any inaccuracies or resolve the freeze issue before a final denial was issued. 

XXXX XXXX XXXX XXXX ( b ) The lenders failed to ensure the maximum possible accuracy in evaluating my creditworthiness, using incomplete data. 

These companies acted negligently by making credit decisions on frozen or inaccessible reports and by not complying with legally mandated consumer notice procedures. I am requesting an immediate investigation, correction of these denials, and confirmation that these events will not negatively affect my credit or eligibility moving forward.

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 2025-07-05 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: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I applied for auto loans through XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All applications were denied. Upon investigation, I found that my credit report was temporarily frozen at the time due to prior identity theft concerns. 

These lenders denied my applications without notifying me of the issue or giving me an opportunity to unfreeze my credit and resubmit. I was also not provided proper adverse action notices, as required by the Fair Credit Reporting Act ( FCRA ). 

These actions violated my rights under the FCRA in the following ways : XXXX XXXX XXXX XXXX They attempted to access my report without success due to a credit freeze, yet failed to notify me or obtain proper permission to proceed. 

XXXX XXXX XXXX XXXX ( a ) They did not provide complete and timely adverse action notices, which must explain the specific reasons for denial and the source of the credit report used. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) I was not given a reasonable opportunity to dispute or correct any inaccuracies or resolve the freeze issue before a final denial was issued. 

XXXX XXXX XXXX XXXX ( b ) The lenders failed to ensure the maximum possible accuracy in evaluating my creditworthiness, using incomplete data. 

These companies acted negligently by making credit decisions on frozen or inaccessible reports and by not complying with legally mandated consumer notice procedures. I am requesting an immediate investigation, correction of these denials, and confirmation that these events will not negatively affect my credit or eligibility moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
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 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 2025-07-05 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: LA

Complaint narrative:
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 2025-07-05 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: Zip Co US Inc.
State: NJ

Complaint narrative:
Someone used Zip to pay for a XXXX order that was sent to the person address. I did not authorize the transaction or receive the items. 
I disputed the charge with my bank, and on XX/XX/year>, they issued a reversal of {$93.00}. 1 contacted both Zip and XXXX multiple times. 
XXXX told me to go through my bank and refused to cancel or refund the order. Zip said they only handle payments and would still charge me unless the merchant canceled the order or confirmed a refund- which never happened. 
Now Zip is still trying to collect the remaining 3 payments, and l 've been warned of late fees and credit reporting. 
I've provided proof of the bank reversal and XXXX 's response. I'm asking the CFPB to help close this case and stop further charges since the issue was not my fault and both companies refuse to resolve it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We applied for a Citi XXXX XXXX card and received it the first week of XX/XX/XXXX. We were immediately approved for a {$14000.00} card. We opened the card specifically for the balance transfer offer and immediately initiated this transfer after receiving the card. The transfer was then flagged as potential fraud and we were prompted through the app to call. When calling, Citi does a verification process in which they text a one time code to the phone number on file. At this point they claim neither of our phone numbers can be verified and a letter must be sent to the address on file. We have now completed this process of 1. Trying to verify through a text, 2. Receiving letters and calling to verify TWICE! Upon the third time calling Citi we requested the account be closed due to the poor communication from them and the inability to fix our account for use. We were told the account was closed, however upon watching the app to make sure it was disabled, this never happened. On XX/XX/XXXX we called yet again to verify the account was closed, which it was not, so we requested this be done AGAIN and they tried to do the entire verification process again. We do not want this account open, this account has never been used and is a large credit line open that is useless due to Citis practices. They will not close our account and we are seeking help in order to get this done.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IN

Complaint narrative:
On XX/XX/year>, I filed a civil lawsuit in XXXX XXXX, Indiana titled XXXX XXXX XXXX XXXX Absolute Resolutions Investments , LLC XXXX XXXX The case involves unlawful debt collection practices by Absolute Resolutions and its legal counsel, XXXX XXXX XXXX. The defendants attempted to collect a time-barred, unverified credit card debt and reported it to credit bureaus despite my certified dispute under 15 U.S.C. 1692g ( b ). They failed to provide validation, continued collection activity, and violated the Fair Credit Reporting Act ( FCRA 623 ) and the Fair Debt Collection Practices Act ( FDCPA ). Legal evidence has been filed with the court and sheriff service is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report.

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g . This is an official dispute of this account.

I demand the above account be deleted from my consumer report. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, FL XXXX, am writing to formally state that I have no knowledge of, nor did I authorize the opening or use of, the account in question that was fraudulently opened in my name. 

I did not apply for, consent to, or benefit from this account, and I believe it was opened without my knowledge or permission, possibly as a result of identity theft. I discovered this unauthorized account on XX/XX/year>, and took immediate steps to report the matter to the appropriate parties. 

I respectfully request that this account be fully investigated and permanently removed from my credit file. I also request that any negative or derogatory information related to this fraudulent account be corrected or deleted as appropriate. 

I am willing to cooperate fully with any investigation and can provide supporting documentation if needed.

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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
We have a XXXX XXXX XXXX XXXX  that is financed through Credit Acceptance we got the vehicle in XXXX of XXXX when we got the vehicle from the car lot the owner put a different deposit amount on the paperwork we have been paying Credit Acceptance monthly since XX/XX/XXXX and it does not seem like the payment is going down we are still just paying annual percentage rates and finance charges we have called them and asked why is the payment not going down but we will just have someone say they will call us back but we will never hear anything back the vehicle also have not been working for months but they say we have no cover at this point we don't know what to do we are over paying for the vehicle we have also been told that they have not got our payment when its coming from our bank account the amount financed is as if we have a new XXXX or XXXX vehicle

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 2025-07-05 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Debt was not verified properly and is still inaccurate and incomplete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 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: OK

Complaint narrative:
To Whom It May Concern, I am following up on my prior complaint regarding inaccurate and unverifiable information being reported on my Experian credit file, including accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

I want to make it explicitly clear : Experian has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA 611 ). Despite submitting multiple disputes ( over seven times ), Experian continues to verify these items by simply parrotting data from the same original furnishers without validating actual documentation or investigating the substance of my dispute. 

This is not an investigation it is a form of automated rubber-stamping. I am fully aware of my rights under the FCRA, as well as the Metro 2 compliance standards, and I will not tolerate willful noncompliance.

Let this serve as notice : I am prepared to escalate this legally if necessary, and I have kept full documentation of every dispute, response, and report involved.

I am requesting that the CFPB require Experian to provide a full audit trail of their investigation process on each disputed account, or remove the unverifiable accounts immediately in accordance with FCRA and Metro 2 guidelines.

This is a serious matter. I am not filing complaints just for formality I expect results and compliance. 

Sincerely, 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