vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
On XX/XX/year> I called Citibank customer service to stop automatic payments. I received proof through my email that this was taken care of. However on XX/XX/year> and XX/XX/year>. I saw two additional withdrawals from Citibank in the amount of {$110.00} for each totaling {$220.00}. This money was taken from money I receive from Veterans Administration Compensation. In addition to this being fraud my money is protected by the federal government and I informed the representative, XXXX but he still refused to refund my account back. I was on the phone getting transferred to different representatives from XXXX XXXX  to XXXX XXXX  on XX/XX/year>. Citibank committed a fraudulent withdrawal on my account and I want my refund 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am filing this dispute to request that the following items be reviewed and corrected on my credit report with the three major credit bureaus : TransUnion ( TU ). The accounts in dispute are outlined below, separated by each bureau. 

Inquiries XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Late Payments XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) for multiple violations of the FDCPA, FCRA, and XXXX XXXX reporting standards. I have never received any written notice of this alleged debt before it was placed on my credit report. That alone violates FDCPA 809 ( a ), which requires written notice within five days of initial communication. 
In addition, I have repeatedly requested validation of this alleged debt, and PRA has failed to provide any form of proper verification. No contract, no itemized accounting, no proof of assignment, and no documentation showing this debt belongs to me. PRA has only furnished duplicate accounts with two different account numbers but the same balance, which is inaccurate, misleading, and a violation of FCRA 1681s-2, FCRA 607 ( b ), and XXXX XXXX XXXX & Reporting Guidelines. XXXX XXXX {$3300.00} & XXXX {$3300.00} Portfolio is reporting : Two separate accounts Two different account numbers Identical balance No validation provided No initial written notice Continuing to furnish information without verification This is deceptive reporting and an unfair collection practice prohibited under FDCPA 807, 808, and 809 ( b ). 
I have researched Portfolio Recovery Associates extensively and am aware of your companys long history of illegal practices, lawsuits, and federal actions for the same violations I am experiencing now. This is a repeated pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: UT

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of certain accounts by the credit reporting agencies. I request that these issues be investigated and corrected. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
I opened my credit report this morning and a new debt appeared that I never received notice or anything from. If it's the company I think then it's XXXX XXXX XXXX, am d the plan was a month to month no contract payment arrangement. The bill is for XXXX $ on my credit report and again it was a no contract payment. So once I quit paying the phone plan ends. How can the attach there collection to my credit for that when I never even had a XXXX $ a month plan, at most it was XXXX $ a month no contract. I opened the account at XXXX in XXXX Missouri in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: KS

Complaint narrative:
This is not a mistaken dispute. My credit report contains multiple accounts that are not reported with the maximum possible accuracy. These persistent inaccuracies are causing real harm, creating financial and emotional strain during an already difficult time. I have repeatedly raised these issues and they remain unresolved ; their continued presence is unacceptable and continues to damage my credit and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have had a bank account with suntrust/truist for 20 years. 3 years ago one of my accounts went into the negative and they closed my account. On XXXX XXXX Truist took {$250.00} out of my current bank account. I called them to ask about this transaction and they said they reserve the right to take the money I owed. They said they sent me a letter about this debt on XXXX XXXX but I never received a letter about this. They never notified me that they would take money out of my account either.

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 2025-11-26 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: GA

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 XXXX 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my credit file with Experian. These entries are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( There are no accounts listed for Experian ) Inquiries : XXXX Card Date of Inquiry : XX/XX/year> XXXX Card Date of Inquiry : XX/XX/year> XXXX Card Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Subject : Written Dispute of XXXX Payment Improper Cash Advance Processing Dear Monterey Financial Services, I am submitting this letter as written confirmation of my dispute regarding the improper processing of my monthly payment. 

Disputed Payment : On XX/XX/year> at XXXXXX/XX/XXXX, I contacted Monterey Financial after discovering that my XXXX payment dated XX/XX/year>, in the amount of {$240.00}, was incorrectly processed as a cash advance on my credit card. I clearly stated that I did not authorize a cash advance under any circumstance. I am formally disputing the XXXX payment for this reason. 

Call Summary : During the call, I initially spoke with a regular representative. The representative stated : * Refused to reverse the cash advance transaction * Stated there was nothing Monterey Financial could do * Only offered to waive a {$10.00} processing fee, which does not address the financial impact of your improper merchant coding This conduct is unacceptable and constitutes improper billing, misclassification of a credit transaction, and deceptive collection practices. 

Action Taken : Due to your refusal to correct the issue, this transaction is now being formally disputed with my credit card company, including the cash-advance fees and misclassification. 

As the company refused to correct the unauthorized transaction, I have also reported Monterey Financial to the BXX/XX/XXXX(XX/XX/XXXX) XXXX the Consumer Financial Protection Bureau ( CFPB ). 

I will reach out to process my XXXX payment in the amount of {$370.00} once you confirm receipt of this dispute. 

I have also sent a copy of this complaint via XXXX to your mailing address for your records. 

Request : Please provide written confirmation that you have received this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I froze my credit report through XXXX agencies ( Experian,XX/XX/XXXX, and XX/XX/XXXX ) to prevent fraud. Before applying for a new credit card, I am trying to unfreeze my reports. XXXX of the XXXX agencies are flawless. The XXXX company, Experian, can not resolve my issue. There is no way to escalate it ; the system will not allow me to speak with a human being. I tried to resolve this through their website ( on XXXX different computers ), through their app, through XXXX different published phone numbers ( customer support and technical support offer automated services only ) and all redirect me to the same instructions that do not work. I've tried both email addresses, XXXX phone numbers, and my mailing address ; there is no escalation when none of their solutions work. Experian does not offer an escalation procedure nor the ability to speak with a live person. I can not resolve these " technical issues '' on my own.I can not proceed with applying for a new credit card when I can not log in to unfreeze my 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 2025-11-26 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XX/XX/XXXXBALANCE : {$60.00}, XX/XX/XXXXXXXX BALANCE : {$0.00},XX/XX/XXXX & XXXX XXXX XXXX BALANCE : {$0.00} XX/XX/XXXXXXXX BALANCE : {$1100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-11-26 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: OH

Complaint narrative:
Date : XX/XX/scrub>, 2025 XXXX XXXX Bank provided me with false information about my XXXX XXXX account. When I called customer service, the representative told me I only had XXXX delinquency and that if I paid the account in full, the late payment would be removed from my credit report. I relied on this information and immediately paid the balance. After paying, I called in at a later date to verify if the delinquency was removed. She told me after a received payment, it would be removed afterXX/XX/XXXX days. I discovered there were actually XXXX delinquencies and nothing was removed as promised. This is inaccurate and misleading reporting, and I was misinformed by their representative. I am requesting correction of the reporting and removal of the late payments due to the misrepresentation and the fact that I acted based on false information provided by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
Date : XXXX XXXX, 2025 XXXX XXXX Bank provided me with false information about my XXXX XXXX account. When I called customer service, the representative told me I only had XXXX delinquency and that if I paid the account in full, the late payment would be removed from my credit report. I relied on this information and immediately paid the balance. After paying, I called in at a later date to verify if the delinquency was removed. She told me after a received payment, it would be removed after XX/XX/XXXXdays. I discovered there were actually XXXX delinquencies and nothing was removed as promised. This is inaccurate and misleading reporting, and I was misinformed by their representative. I am requesting correction of the reporting and removal of the late payments due to the misrepresentation and the fact that I acted based on false information provided by 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 2025-11-26 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: CA

Complaint narrative:
I dispute the following accounts, which contain inaccurate information. Please investigate and remove these entries if they can not be verified. 

Inquiries : XXXX, Date : XXXX XXXX, Date : XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXXXX/XX/XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reporting of late payments on my account, as the information being furnished is inaccurate, outdated, and unverifiable. Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies and furnishers are required to maintain maximum possible accuracy, and any data that can not be verified must be promptly deleted. Additionally, FCRA 611 ( a ) mandates a reasonable reinvestigation of any disputed information, and FCRA 609 ( a ) ( 1 ) requires the furnisher and credit bureau to provide complete verification, including the original records showing that the alleged late payment was accurately reported. If you can not provide legally sufficient documentation proving the accuracy of these reported late payments, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the information from my credit file. Reporting information that is incomplete, unverified, or older than the legally permitted retention period constitutes a violation of federal law. Therefore, I request the immediate removal of these late payments due to your inability to verify their accuracy as required by law. All my payments were on time the credit bureau dates are not the same across all XXXX bureau. PLEASE FIX THE INACCURACY TO PAID/ NEVER LATE AND SEND ME A COPY F MY UPDATED CREDIT

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reporting of late payments on my account, as the information being furnished is inaccurate, outdated, and unverifiable. Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies and furnishers are required to maintain maximum possible accuracy, and any data that can not be verified must be promptly deleted. Additionally, FCRA 611 ( a ) mandates a reasonable reinvestigation of any disputed information, and FCRA 609 ( a ) ( 1 ) requires the furnisher and credit bureau to provide complete verification, including the original records showing that the alleged late payment was accurately reported. If you can not provide legally sufficient documentation proving the accuracy of these reported late payments, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the information from my credit file. Reporting information that is incomplete, unverified, or older than the legally permitted retention period constitutes a violation of federal law. Therefore, I request the immediate removal of these late payments due to your inability to verify their accuracy as required by law. All my payments were on time the credit bureau dates are not the same across all XXXX bureau. PLEASE FIX THE INACCURACY TO PAID/ NEVER LATE AND SEND ME A COPY F MY UPDATED CREDIT

Company response to consumer: Closed with non-monetary relief