vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been locked out of my Citibank credit card account for months and have been unable to access my bill or make a payment, despite making over 50 documented attempts via email, phone calls, and social media messages. Citibank has never provided the security code or method to regain access to my account, and has refused to send me a copy of my invoice or balance due. 

I recently received a text message saying I have been sent to collections, despite the fact that I have been trying to pay. This is unacceptable and damaging to my credit. 

I have already filed multiple complaints with the CFPB. The system shows that Citibank has " responded, '' but I have received no emails, no phone calls, no voicemails, no letters, and no response in the CFPB portal. Citibank is required by law to respond, and they have not done so meaningfully or at all. Please email me at XXXX or send me a letter in writing to my address on file. please respond in the CFPB portal with a specific person i can contact about this incident. 

I am requesting : Immediate access to my account or a code to unlock it A copy of my full account statement and amount due Written confirmation that collections activity is on hold A U.S.-based contact or executive office email to resolve this This is a serious and ongoing issue that is causing financial and emotional harm. I am retaining legal counsel and will seek reimbursement for legal fees if this is not resolved 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 non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank your for your understanding and prompt action.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-06-13 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Chapter XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
This letter is to address a serious and unacceptable violation of my privacy and consumer rights. After carefully reviewing my credit report, I noticed a hard inquiry made by that I never authorized, consented to, or initiated in any form. Let me be clear : at no point did I give this company permission to access my credit file. 

This inquiry was placed without my knowledge or consent, which is a direct breach of the Fair Credit Reporting Act ( FCRA ). Under federal law, no entity is allowed to pull my credit unless Ive explicitly authorized it and that authorization does not exist in this case. This was either a gross oversight or a fraudulent attempt to access my personal 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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I was charged {$290.00} by XXXX XXXX for an automatic service renewal. I contacted XXXX XXXX immediately the same day to cancel and request a refund since I had not used their service and did not intend to continue. XXXX XXXX confirmed they cancelled my account but refused to refund the charge.

I filed a legitimate dispute with Capital One for " services not rendered '' since I received XXXX benefit from this renewal charge. This is a valid dispute category under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

Initially, Capital One issued a temporary credit while investigating. However, they later reversed this credit and denied my dispute. When I called to appeal, they requested additional documentation, which I provided including : Screenshots of my communication with XXXX XXXX confirming account cancellation Evidence that I had not used the service during the renewal period Documentation showing, I contacted the merchant immediately upon discovering the charge. 
XXXX XXXX terms and conditions.

Evidence showing access to the paid membership that I was billed for was successfully cancelled/ I was not allowed access.

Screenshots showing that XXXX XXXXXXXX XXXX  platform is engaging in false advertisement/ deceiving and misleading Notaries. 


Despite providing all requested documentation proving I received no services, Capital One sent me a denial letter without adequate explanation of their investigation or reasoning.

This appears to violate the Fair Credit Billing Act, which requires credit card companies to : 1. Conduct a reasonable investigation of billing disputes 2. Explain the results of their investigation 3. Provide specific reasons for denying disputes Capital One has failed to explain how a charge for
completely unused services can be considered valid. I received XXXX services during the renewal period, contacted the merchant immediately, and the merchant confirmed account cancellation - this is a textbook case of " services not rendered. '' I am requesting that the CFPB investigate Capital Ones failure to properly handle this legitimate billing dispute under federal law. 
On XX/XX/year> I mailed a formal certified letter " Notice of Dispute '' to Capital One and as of XX/XX/year> I have not receive a response or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I sent the company a letter stating that their reporting on my credit wrongfully and that they needed to investigate and provide me with the contract showing where i agreed to the debt that they claim I owe them. and they just sent me a letter stating that they dont know what im talking about and if i can provide them with an account number which i provided in the letter. I also have told them to not contact me or call me but they keep doing so, which is also violation. I have attached below the letters that were mailed out on XX/XX/year>

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with XXXX XXXX and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within 3XXXX XXXX  Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure XXXX XXXX and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In 2020, I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX, NC. Before the sale, I obtained a written payoff statement from XXXX & XXXX Mortgage ( now Truist Bank ) dated XX/XX/year>. The statement acknowledged both a first mortgage and a second lien from a HUD loss mitigation ( FHA partial claim ) and explicitly stated that the second XXXX had a {$0.00} balance. It also stated that the full payoff amount of {$90000.00} would satisfy both liens. That amount was paid in full during the closing. 

I am now being contacted by HUD or a collection agency claiming the second XXXX was not satisfied and is still due. I relied on XXXX & XXXX written payoff to complete the sale, believing all liens were settled. This has now caused damage to my credit and financial stress, and I believe XXXX & XXXX misrepresented the true payoff.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely an effective measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected. Furthermore, their dispute resolution procedure was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate address for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I made at least XXXX calls to find out why I do not have access to my credit report on their website. I was informed they can not provide my information because they have never received any documentation providing my identity. I called on XX/XX/year>, to find out why I couldn't access my account. When I did log in, a blue window would always pop up to call. I called the person I spoke to, who had no idea what I was talking about. I called back on XX/XX/year>, and the person I spoke with did not know what the code " XXXX  '' meant. I called back on XX/XX/year>, and spoke with tech support, who informed me that I need to pay to view my credit report. This was the reason I stopped paying because I did not have access. I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the issue was not resolved. I called again today and was informed that to update my name and make my account accessible, they require me to submit documentation proving my identity. The woman I spoke with also stated she did not see any disputes on my account. I am in complete shock that, despite all the work I've done, nothing is being resolved with this company. I made the call this evening at XXXX pm. When she heard the shock in my voice, it was suddenly time for them to close. She began speaking over me, wanting me to give her the address where I was sending my disputes I gave her the address, she verified the address, and told me they were closing and rushed me off the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
RE : Final Request for Permanent Deletion XXXX  XXXX Charge-Offs ( Equifax ) This is a formal rebuttal to XXXX prior response, which claimed that XXXX XXXX verified the XXXX charge-off accounts. I am not requesting an update or correction I am requesting full deletion only under federal law. 

Legal Basis for Deletion : Under FCRA 611 ( 15 U.S.C. 1681i ), if the furnisher ( XXXX XXXX ) can not provide verifiable proof within XXXX XXXXXXXX, the item must be deleted. No such proof was provided only a statement claiming the accounts belong to me. This is not verification. 

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus must ensure maximum possible accuracy. The continued reporting of incomplete or unverifiable charge-offs especially when fields like XXXX XXXX were modified on closed, charged-off accounts is not compliant. 

I am not seeking correction or re-investigation. The account has already been disputed and remains inaccurate and unproven. Therefore, under FCRA, deletion is the only acceptable resolution. 

XXXX XXXX Requested : Permanently delete both XXXX XXXX charge-off accounts from my Equifax credit XXXX. 

Do not contact XXXX XXXX again. The opportunity to verify has passed. 

Provide a confirmation of deletion in writing. 

If this request is not honored, I will escalate to the FTC, my state Attorney General, and pursue legal action under the FCRA for continued willful reporting of inaccurate, unverified, and damaging information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: First Credit Services Inc.
State: GA

Complaint narrative:
I am writing to dispute several derogatory accounts appearing on my credit reports with XXXX, XXXX, and XXXX, which I believe are either inaccurate, unverifiable, or potentially the result of identity theft.

As of my credit reports dated XX/XX/year>, I identified the following concerning items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$13000.00} Appears on XXXX  and XXXX  This account shows 31 months of missed payments and has been marked as charged off.

I also received a notice of violation mailed to my address from a city I have never been, that is supposedly attached to that account, but said vehicle was not in my possession or my name. 

1st Credit Services Collection ( XXXX  ) Balance : {$220.00}, updated XX/XX/year> Original creditor listed as " XXXXXXXX XXXX XXXXXXXX '' This is unfamiliar to me. I have never done business with this company, nor received any written communication about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

I believe this account may be fraudulent and related to identity theft as well.

I have not received the required debt validation or written notification within five days of initial contact for these accounts, which is a violation of 15 U.S.C. 1692g ( a ) and possibly 15 U.S.C. 1681c-2 under the FDCPA. These derogatory items are negatively impacting my credit score and overall financial standing.

Additionally, the presence of inconsistent personal information and multiple outdated addresses across the reports further raises my concern that my identity may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Re : Dispute & Cease & Desist Notice Inaccurate Reporting of Alleged Debt Message Body : I am writing to formally dispute the accuracy of the account listed on my credit report. I have not been notified of this collection, and I believe it is inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), I request validation of this debt. 

Please provide the following information : An explanation of the alleged account balance and how it was calculated. 
Complete payment history, including all payments made, to verify the correctness of the balance. 
Documentation showing I agreed to pay this debt. 
The agreement granting your agency authority to collect this alleged debt. 
A copy of your state license, including license number, if applicable. 

Please send me this information within 30 days of receipt of this letter, as required by law. I request that you cease all collection activities until this debt is validated. 

Legal and Regulatory Violations : This letter also serves as a formal notice that your company has violated multiple laws, including : FDCPA XXXX XXXX XXXX XXXX ( a ) ( XXXX ), XXXX ( b ), XXXX, XXXX, XXXX XXXX XXXX. XXXX ( Aggravated Identity Theft ) XXXX XXXX XXXX, XXXX Your conduct further constitutes Aggravated Identity Theft under XXXX XXXX. XXXX, as you have knowingly used or transferred my means of identification without lawful authority, which is a federal felony. Additionally, your unlawful reporting without validation, contacting third parties with my private information, and use of my identification violate the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

Actions Required : Immediately cease all reporting of this alleged debt. 
Remove and delete all related information from all consumer reporting agencies to which you have reported it. 
Confirm in writing within XXXX calendar days that the account has been deleted from your records and all reporting agencies. 

Legal & Financial Consequences : Failure to comply will result in legal action, including claims for damages, statutory penalties, and attorneys fees. You XXXX be liable for {$1000.00} per violation for defamation, negligent enablement of identity theft, and violations of the FDCPA and FCRA. 

This letter constitutes your final opportunity to correct your records and cease reporting this inaccurate account. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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