vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Fraudulent Account XXXX Dear Customer Service Team, I am writing to formally address an urgent matter regarding fraudulent activity that has occurred on account number XXXX. I believe that my personal information has been compromised and used without my consent, resulting in unauthorized transactions. 

In XXXX of 2022, I spoke with a representative from your customer service department who assured me that the issue would be investigated and resolved promptly. However, since that conversation, I have not received any updates or resolutions regarding this matter. To my dismay, I have recently discovered that the account has been closed by The Home Depot XXXX Citibank XXXX XXXX ( CBNA ), yet the fraudulent activity remains unresolved. It has been over two years and I have had no luck rectifying this situation. 

This situation is causing significant harm to my credit report and overall credit score. As you may understand, a negative mark on my credit report can have long-lasting effects on my financial health and ability to secure loans or credit in the future. Therefore, I kindly request your immediate assistance in rectifying this issue. 

Request for Resolution Investigation of Fraudulent Activity : I urge you to conduct a thorough investigation into the transactions associated with account number XXXX. It is crucial to identify any unauthorized charges made using my personal information. 

Correction of Credit Report : Once the investigation is complete and it is confirmed that fraud has indeed occurred, I request that you take appropriate measures to remove any negative marks related to this fraudulent activity from my credit report. This correction is essential for restoring my credit score. 

Communication : Please provide me with written confirmation of the actions taken regarding this matter as well as any findings from your investigation. Additionally, I would appreciate updates throughout the process so that I am informed of any developments. 

I trust that The Home Depot XXXX Citibank XXXX XXXX takes matters of fraud seriously and will act swiftly to resolve this issue. Thank you for your attention to this pressing concern. I look forward to your prompt response and swift removal of the negative items that are being reported to the credit bureaus. 

ATTACHED IS THE IDENTITY THEFT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$10000.00}. I was told that the check will not clear until XX/XX/XXXX. I waited until XX/XX/XXXX but the deposit was not available. The check senders account was debited on XXXX. 
When I went to bank they told me that the check will be returned to the check sender. I have been to the bank multiple times and each time the answer is different. I did not receive the deposit amount and the check senders account is already debited and the bank can't tell where is the money and how it will be returned. The bank rep refused to provide any answer in writing. On top of that the bank has blocked my account access so I am not able to access any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly maXXXX result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to these companies to have the inaccurate information removed, and they did not do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to a letter received on XX/XX/year> regarding the debt you claim I owe. I am requesting that you provide validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. Specifically, I request the following : Verification that I am the person legally obligated to pay this debt. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges. The name and address of the original creditor, as well as documentation proving that you are authorized to collect this debt on their behalf. A copy of the original signed agreement or contract that created this obligation. Documentation showing that the statute of limitations on this debt has not expired. Please also be advised : Until you provide the requested validation, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any attempt to collect without proper validation will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I request that all future communications be made in writing only and sent to the address listed above. Thank you for your prompt attention to this matter. Sincerely, 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Beginning at least on XX/XX/year>, I have used BMOs online account management system to schedule recurring loan payments and monitor my account balance. I configured recurring payments and executed additional one-time payments in amounts greater than the minimum/statement balance with the expectation that any excess would be applied directly toward reducing the loan principal. 

However, I later discovered that by default BMO applies overpayments to future scheduled payments rather than to principal reduction. This policy is not disclosed or visible to the consumer when setting up or reviewing recurring payments online. As a result, the overpayments I made did not reduce my outstanding balance as intended, but instead only pushed out my next due date more than 2 years in the future. 

BMOs online platform also lacks transparency in other respects : Consumers are unable to access full account statements or historical records beyond the most recent 90 days. There is an interface to filter transactions and allows for a start date outside of the last 90 days, however the functionality does not actually work. Furthermore, transactions that do appear on there site, does not communicate how overages were applied. 
There is no option online to direct overpayments toward principal reduction. 
According to BMOs customer service representatives, the only way to have an overpayment applied to principal is for the consumer to call after each individual payment and request a manual adjustment. 

While I understand these practices may be technically permissible, I am concerned that the system is designed in a way that obscures critical loan details and prevents consumers from exercising meaningful control over their repayment strategy. At minimum, the platform fails to provide clear disclosures or adequate functionality to ensure that consumers payment intentions are honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I closed my XXXX ACCOUNT as my condo building switched internet providers. in the process of " closing an account '' I returned all my equipment as required.on XX/XX/year>. I later received a mark on my credit report, claiming I has a " PAST DUE BALANCE '' which is impossible as the account was proven closed. I paid the balance so that it would not affect my credit. I received a letter from XXXX, postmarked XXXX, confirming that my balance was paid. I called XXXX to dispute this charge, and XXXX confirmed that it was indeed against their policy... and could not explain why they were charging me POST ACCOUNT CLOSURE. for the past year I have been dealing with EQUIFAX desperately trying to get this late payment removed from my credit report. Ive sent two letters and to XXXX response..... THE LAST LETTER I WROTE IS AS FOLOWS : I have submitted about a XXXX XXXX account that is inaccurately listed on my credit report. Despite providing all the requested documentationincluding XXXX confirmation of account closure and a copy of the paid billthis inaccurate account remains on my credit file, and no meaningful corrective action has been taken. XXXX policy clearly states that an account can not be closed until all outstanding balances are resolved. In my case, the account in question was closed by XXXX, which inherently confirms that no debt remained unpaid at the time of closure. Therefore, their subsequent reporting of an outstanding balance is not only inconsistent with their own procedures but demonstrably false. As part of my dispute, I mailed the following supporting evidence to Equifax : A copy of the final XXXX statement showing a {$0.00} balance. Documentation showing the account was officially closed. Proof of timely payment. To date, your failure to resolve this dispute has allowed a false negative mark to remain on my credit history, directly harming my creditworthiness through no fault of my own. This reporting error has already impacted my ability to secure favorable financial terms and reflects poorly on Equifaxs duty to ensure the accuracy of consumer information under the Fair Credit Reporting Act ( FCRA ). I respectfully demand the following : A reinvestigation into this account using the evidence I provided. Immediate removal or correction of this XXXX account from my credit report. A written confirmation of the outcome and updated credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting these accounts, which were neither opened nor authorized by me. This situation is overwhelming and causing me significant distress. I'm deeply concerned and unsure of what steps to take next. Staying engaged in this frustrating process has become incredibly difficult. It's draining to keep following up in different ways, only to receive no response or resolution. Each day feels like a repeat, with no signs of improvement. I urgently need your help, as this issue is disrupting my peace of mind, daily routine, and future. Ive been dealing with this for a long, stressful period without any positive results, and XXXX exhausted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

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

15 U.S.C section 604 A Section 2 : 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 7 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 2025-09-24 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I discovered fraudulent personal information on my credit file, including the names XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and the addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX, which I have never used or authorized. I have provided my government ID, FTC Identity Theft Affidavit ( Report # XXXX ), proof of address, and Social Security card as evidence of my true identity. I request that this fraudulent personal information be blocked and permanently removed from my credit file within four ( 4 ) days of receipt, as it was added without my knowledge or consent and is the result of identity theft.

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