vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was scammed by someone posing as a legitimate employer. They instructed me to set up direct deposit through XXXX as part of my job onboarding. I received a {$43.00} deposit through XXXX, and the document included small writing that says, XXXX XXXX shares this with you. I believed this was a real job. 

What I did not know was that the scammer had remote access to my phone during this process. They used that access to complete unauthorized XXXX transactions through my Citizens Bank account. I never approved or made any XXXX  transactions myself. I also never gave permission for my debit card to be used that way. 

XXXX unauthorized withdrawals were processed XXXX around {$1400.00} and another much larger XXXX afterward. I only discovered these after checking my account. A few weeks later, Citizens Bank took {$2200.00} from my savings account without any notice. When I called the bank, I found out my fraud claim had been denied twice but I was never notified by phone, email, or letter. 

Instead of helping, Citizens Bank blamed me and emptied my account. I filed claims and appeals but got no response until I called. They punished me after I was scammed. I am requesting full reimbursement and a federal investigation into how Citizens Bank handled this case. 

I have a full complaint letter and screenshots proving everything. I will upload them through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Student loan account opened at XXXX XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Student loan account opened at XXXX XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
XXXX XXXX, XXXX. 
Legal Department Consumer Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND Firstsource Advantage , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL | NOTICE TO PRINCIPAL IS NOTICE TO AGENT Certified Mail # : XXXX Registered Mail # : XXXX and XXXX more number to added of affividat of delivery received Assignment of Sender Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX of The XXXX XXXX XXXX LAWFUL DEMAND FOR VALIDATION IGNORED This affidavit is tendered pursuant to the following laws and provisions : 15 U.S.C. 1692g Fair Debt Collection Practices Act ( FDCPA ) ; 12 U.S.C. 24, 95a National Banking Acts ; Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) ; IRS Code 61, 83, 108, and 6050P Related to income reporting and debt discharge ( Form 1099-C ) ; Natural law principles of good faith, equity, and full disclosure.

On or about [ Insert Date ], I issued a lawful written request to XXXX XXXX, XXXX. requesting : Validation of the alleged debt ; Copy of the original contract signed in wet ink ; Full general ledger and accounting of the account ; All Form XXXX and XXXX discharge-related tax filings made to the IRS, showing cancellation of debt income and asset treatment. 
In return, I received no valid instrument, no verified accounting, and no sworn affidavit. Instead, XXXX XXXX unlawfully transferred or sold the alleged account to Firstsource Advantage , LLC, a third-party collector with whom I have no privity of contract and no lawful agreement. 

XXXX. NO CONTRACT, NO CONSIDERATION, NO ASSIGNMENT STANDING I demand that Firstsource Advantage immediately provide : A purchase agreement or assignment contract demonstrating legal transfer of rights ; A signed and binding agreement between myself ( XXXX XXXX XXXX XXXX and Firstsource Advantage ; Proof that the alleged debt has not been XXXX, written off, or securitized, in violation of federal tax and banking regulations. 
The absence of such documentation confirms that any attempt to collect or enforce this XXXX debt constitutes : Fraudulent misrepresentation ; Unjust enrichment ; Breach of trust and fiduciary law ; Constructive fraud, conversion, and injury in equity.

III. IRS REPORTING OF CANCELED DEBT INCOME Under IRC 61 ( a ) ( 12 ), 108, and 6050P, XXXX  XXXX is required to issue IRS Form XXXX upon cancellation or discharge of debt. If such discharge occurred and was claimed as a loss to XXXX XXXX, it is legally recognized as income to me. 

Therefore, continued collection attempts on XXXX accounts constitute : Double recovery by the creditor or its assignee ( illegal under IRS code ) ; Consumer fraud under FDCPA and banking rules ; Violation of federal tax law and accounting misrepresentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} 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 XXXXXX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$21000.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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: VA

Complaint narrative:
The XXXX XXXX account ( ending in XXXX ) was subject to a judgment that has since been satisfied in full. On XX/XX/year>, XXXX XXXX legal representatives issued an Authority to Release Judgment Lien, confirming the debt had been discharged under Virginia law. Despite this, the credit bureau continues to report the account with negative or misleading remarks such as charge-off, paid for less than full balance, or settled, which are inaccurate and damaging to my credit profile.

Reporting a satisfied legal judgment as a derogatory tradeline is a violation of the Fair Credit Reporting Act ( FCRA ) 611 and 605 ( a ), which require the reporting of accurate, complete, and fair information. These remarks do not reflect the legal and financial reality of the account. I am attaching the official satisfaction letter to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
The XXXX XXXX account ( ending in XXXX ) was subject to a judgment that has since been satisfied in full. On XX/XX/year>, XXXX XXXX legal representatives issued an Authority to Release Judgment Lien, confirming the debt had been discharged under Virginia law. Despite this, the credit bureau continues to report the account with negative or misleading remarks such as charge-off, paid for less than full balance, or settled, which are inaccurate and damaging to my credit profile.

Reporting a satisfied legal judgment as a derogatory tradeline is a violation of the Fair Credit Reporting Act ( FCRA ) 611 and 605 ( a ), which require the reporting of accurate, complete, and fair information. These remarks do not reflect the legal and financial reality of the account. I am attaching the official satisfaction letter to support my request.

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 2025-06-28 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: TX

Complaint narrative:
A collection account has been placed on my credit report without proper validation or communication. I had no chance to challenge this debt or request verification before it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: WI

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The company said I have to file here with you. XX/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 2025-06-27 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: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-28 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: OK

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within XXXX XXXX  All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the 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 2025-06-27 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: LA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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've been trying to understand why my credit applications keep getting denied, and I was shocked to discover that my credit report contains multiple inaccuracies and false information. These errors have caused me serious stress and have taken a toll on my mental well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/year> my vehicle that was financed with XXXX XXXX in North Carolina was in a total loss accident. I received a police report citing the other party 100 % at fault for the accident. My insurance company agreed to a total loss payment. I inquired about XXXX retained options as I wanted to keep the vehicle. After agreeing to a new payout minus the amount to retain the vehicle I signed paperwork with XXXX. After contacting XXXX main, they stated they were waiting for XXXX to give them the information and they would reach back out. At that time I started to purchase the parts needed for my vehicle and making arrangements with an auto shop. After XXXX to XXXX weeks and multiple attempts, the finance company said they denied XXXX retain option. The insurance company could not give us an answer They just said the finance company denied it and they paid them the full initial payout. 
No one at the XXXX main total loss department could tell me why they denied XXXX retainment as the insurance company told me it was not normal to have that situation. After calling for XXXX more weeks today, XX/XX/year>, they told me that XXXX retainment was approved, but they already sent the title to the insurance company. 
The insurance company said The vehicle had to go to auction to be sold for parts at this point because of the delay from XXXX main. Now after more weeks today, XX/XX/year>, they told me that XXXX retainment was approved, but they already sent the title to the insurance company. 
The insurance company said The vehicle had to go to auction to be sold for parts at this point because of the delay from XXXX main. Now after XXXX months with no vehicle and still making loan payments on time as I always have through the duration of my loan, I'm left with no option to buy back my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have debt for XXXX. Also charge off auto loan. Loan online 1025   XXXX spot loan XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
I've been trying to understand why my credit applications keep getting denied, and I was shocked to discover that my credit report contains multiple inaccuracies and false information. These errors have caused me serious stress and have taken a toll on my mental well-being.

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 2025-06-27 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 explanation