vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for an XXXX XXXX offer of XXXX points if I spend {$3000.00} within the first XXXX  months. The card was issued by XXXX XXXX. The credit limit is the lowest Ive ever received ( {$1500.00} compared to XXXX to XXXX limits on other cards ) and they wont increase the limit as their claim is that its a new account. Fine, I will work around this. 

I then decided that I would charge small amounts and pay it off and keep going so that I can reach the required spend. However, I made a payment by telephone using my checking account ( the one on file ) on XX/XX/XXXX. The funds came out of my bank account and while CiTi received the funds, they are claiming they can only release my credit line until XX/XX/XXXX ( I have to complete my spend by XX/XX/XXXX ). This is a deliberate act on my account so I would not qualify for the points- thereby making it a false advertisement. They are saying in order to expedite payment- I need to make it from a debit card. Is this on the agreement? Do they disclose all of the necessary information to applicants? Does it matter if its debit or direct pay from the banking institution? In this era of technology advancements, I simply can not fathom this! The funds are cleared so why is there a delay of XXXX days to release the credit line. No other banks Ive dealt with in the XXXX  years of carrying their cards does this. How is Citi allowed to get away with such blatant abuse and lies to consumers? This is a deliberate act of fraud and they should be fined or someone should delve into their unfair customer practices. 

Ive been trying to resolve this matter for a week already! 

Thank you for looking into this.

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 2025-04-10 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account XXXX and Account XXXX Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account XXXX ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. 
Please provide the following : Assignment Contract A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Chain of Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these XXXX documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and XXXX. 
Please provide this information within the XXXX period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have disputed these accounts with XXXX but no help I have tried to reach out to the company to fix the issues as well with no response from XXXX about the XXXX accounts reporting on my credit report. I have sent police reports and FTC report please look into this matter on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Requested Actions : Delete all incorrect name variations that do not match my full legal name as it appears on my government-issued identification. 


Remove any addresses that are not my current residence Provide written confirmation of the corrections made and send me an updated copy of my credit report reflecting these changes. 
Delete all unauthorized inquires Notify any third parties who may have received incorrect information about these discrepancies. 


As mandated by the FCRA, you are required to complete this investigation within 30 days and provide me with a written response. If these inaccuracies are not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 
Please process this dispute immediately and confirm once the requested corrections have been made. If you require further information, you may contact me at the details provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I request score points recovery due misinformation errors of Late Payments reported by Equifax and Transunion from XXXXXXXX XXXX Credit Card XXXX XXXX score points recovery from Equifax and XXXX score points recovery from XXXX. 

After conclusions of Equifax investigation ( Complaint XXXX ) Equifax affirmed my complaint by removing the XXXX account as they promised after their investigation, and Transunion investigation ( File No. XXXX removed late payment status ). 

However, the aftermath of the misinformation reported by Equifax and Transunion from XXXXXXXX XXXX before they took action negatively affected my credit report diminishing my score caused me great harm to my credibility. 

EQUIFAX : Due to misinformation errors on Equifax Delinquent Payment XXXX account stated 30 Days Late on two dates XXXX points on XX/XX/XXXX and XXXX points on XX/XX/XXXX. 

TRANSUNION : Due to misinformation errors on Transunion Delinquent Payment XXXX account stated 30 Days Late on XXXX XXXX  points on XX/XX/XXXX and XXXX points on XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: OK

Complaint narrative:
I took out this loan when I was struggling to pay bills. Were a one income household and my wife is XXXX. I took this loan out of desperation with medication cost and utility cost being though the roof. I didnt realize at the time that your 623 % rate is illegal in the state of Oklahoma XXXX It is downright criminal. This loan should be forgiven and wiped from the books. I am prepared to take farther action up to including legal action and contacting the Oklahoma attorney general as well.

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 2025-04-10 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: NY

Complaint narrative:
Suggested Rebuttal Text : To Whom It May Concern, I am submitting this rebuttal to formally disagree with the outcome provided by Equifax in response to CFPB Complaint ID XXXX. While Equifax claims to have updated certain information, they failed to delete the specific disputed items that were previously removed in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which prohibits re-reporting deleted data without proper notice and certification. 

Equifax 's continued inclusion and re-reporting of the following items constitutes willful noncompliance and has materially harmed my financial standing : XXXX XXXX XXXX XXXX previously deleted alleged late payments re-reported. 

XXXX XXXX XX/XX/XXXXpreviously deleted alleged late payments re-reported. 

XXXX XXXX XXXX XXXX XX/XX/XXXXwrongfully verified charge-off. 

XX/XX/XXXXpreviously removed, now marked with updated delinquency data. 

XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX still present despite prior dispute. 

Furthermore, Equifax provided no monetary relief or compensation for actual and statutory damages caused by their violations of : FCRA FDCPA ( 15 U.S.C. 1692e ) XX/XX/XXXXXXXX XXXX I am requesting that this case be reopened and escalated for supervisory review or referred to the FTC orXX/XX/XXXX for enforcement. I remain prepared to pursue further legal remedies if the violations are not resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX | XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 non-monetary relief
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-10 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: CA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES REQUEST FOR IMMEDIATE DELETION UNDER FCRA 609 & 605B To Whom It May Concern, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/year>, while applying for a mortgage to purchase my first home, I became aware of multiple fraudulent accounts and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 
These accounts were not opened by me and represent clear cases of identity theft : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Under 15 U.S. Code 1681c-2 ( Section 605B ), you are required to block and remove any information resulting from identity theft within 4 business days of receiving appropriate proof. 
Enclosed you will find : A copy of my government-issued ID A copy of a recent utility bill showing my current address A signed FTC Identity Theft Affidavit A police report or written statement regarding the 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 explanation
Consumer complaint received 2025-04-10 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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX These accounts below needs to be removed immediately. These are not my accounts and needs to be removed off my report ASAP. I am not associated with this address and these illegal/fraudulent accounts needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 response to consumer: Closed with explanation