vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am submitting this complaint regarding XXXX refusal to remove a returned check fee that resulted directly from fraudulent activity on my bank account. 

Recently, my bank notified me of fraudulent transactions on my checking account. For security reasons, the account was closed and new accounts were issued. Because of this, my scheduled payment to Citi could not clear, and Citi subsequently applied a returned check fee of {$30.00} on XX/XX/year>. 

I immediately contacted Citi to explain the situation and requested a waiver. Despite providing the explanation that this was a direct result of account fraud and beyond my control, Citi declined to remove the fee. 

This fee is unfair because : The payment failure was caused by bank account fraud, not by my own actions. 
My bank can provide documentation verifying the fraudulent activity and account closure. 
I have otherwise maintained my Citi account responsibly. 

I am requesting that the CFPB review this matter and require Citi to remove the returned check fee and ensure it does not negatively impact my account or credit report. 

Thank you for your attention to this matter.

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 2025-09-15 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: PA

Complaint narrative:
I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: SC

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX # XXXX, and XXXX XXXX XXXX ( XXXX XXXX ) emails sent by XXXX XXXX reference number XXXX on XXXX, XXXX stating Plaza Service. LLC current debtor acct # XXXX, don't know either. XXXX original debtor wasn't able to locate XXXX #.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities.

As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

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 2025-09-15 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: OH

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 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: OH

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am writing to inform you that in XX/XX/2025, upon reviewing my credit report, I discovered several accounts listed that I neither applied for nor authorized. This situation is deeply concerning as these accounts are negatively impacting my credit history. Despite my efforts to resolve this matter with TransUnion by submitting the requested documentation multiple times, I have been repeatedly told that the documents were not received. It feels as though I am not receiving the assistance needed, and I am only given excuses regarding the status of my submissions. I kindly request a thorough investigation into this issue and your support in addressing these unauthorized accounts. Thank you very much for your attention and assistance.

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 2025-09-15 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: MI

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report after years and noticed that I have multiple accounts and unauthorized inquires listed... I reached out to all three credit bureaus to get this issue rectified and didn't receive a response or solution. Submitting this complaint is my last resort after being ignored. This is hard on my mental because not only do I feel violated for my information being compromised but I'm also upset because of the process of trying to fix something I never authorized or had any knowledge about. Based on my knowledge this all should have been removed within 4 days. I'm requesting these items be immediately and permanently removed from my credit report. Please see attached.

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 2025-09-15 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: TX

Complaint narrative:
I recently checked my credit report after years and noticed that I have multiple accounts and unauthorized inquires listed... I reached out to all three credit bureaus to get this issue rectified and didn't receive a response or solution. Submitting this complaint is my last resort after being ignored. This is hard on my mental because not only do I feel violated for my information being compromised but I'm also upset because of the process of trying to fix something I never authorized or had any knowledge about. Based on my knowledge this all should have been removed within 4 days. I'm requesting these items be immediately and permanently removed from my credit report. Please see attached.

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 2025-09-15 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} Account Name : DEPT OF EDUCATIONXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$940.00} Account Name : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
on XX/XX/year> some one opened an electrical service at a apartment complex i do not nor ever lived in and started services ther leaving a balance of {$1000.00}, i been living at my residence in a home for the last 7 years, I try to contact light company but keep giving the run around, I contarcted the credit they repotred me to and they said would mail me a fraude form byt nothing yet. thisis not my light bill and i did not okay of give approval to know one to open up in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 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:
These inaccurate records require deletion within 15 days under USC 1681g.

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 2025-09-15 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: CT

Complaint narrative:
Equifax refuses to update my credit report based on the account payment history on company letterhead. Equifax as well as XXXX XXXX is reading my account to keep it on my report longer. This account also involves dealer fraud which I submitted evidence of to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a gift card on XX/XX/year> for {$200.00}. I then gave the gift car to someone and as soon as they went to use it, there was a transaction on the card leaving it with a 0.00 balance. I attempted to file a dispute and the dispute was declined without an explanation. I have called and emailed multiple times and no one responds to emails and no one on the phone can give any reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
My credit was breached and has inaccurate and fraudulant activity that i am not responsible for. 
Midland Credit management XXXX  # XXXX XX/XX/XXXX {$780.00} Midland Credit Management LLC # XXXX XX/XX/XXXX {$910.00} Midland Credit Management LLC # XXXX XX/XX/XXXX {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Company : Nelnet Loan Servicing ( previously Great Lakes Higher Education ) Issue : Incorrect information on credit report Student loan inaccurately reported late during deferment Complaint Narrative : My federal student loans were in approved deferment through Great Lakes until Fall 2025. When Nelnet acquired servicing, they failed to honor the deferment and began reporting my accounts as 30, 60, 90, and 120+ days late in XXXX. 

I was not notified directly that my loans had been transferred from Great Lakes to Nelnet, and was not notified when the deferment period would be ending from Nelnet. The loans for 2025 should have been in deferment and the repayment date was not clearly communicated to me. These loans were reporting late payments to the credit bureaus and this has negatively affected my credit. 

At no time was I notified that my loans were leaving deferment or that payment was due. This reporting is inaccurate, unlawful, and has reduced my FICO scores by over XXXX points. It violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 623 ) and federal student loan servicing rules requiring accurate deferment reporting.

These errors are preventing me from obtaining personal and business credit necessary to operate and grow my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
This debt account was opened fraudulently and the debt collector keeps refusing to provide proof of personal information and Signature Authenticity. I have made multiple requests. The account must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: IL

Complaint narrative:
I discovered serious identity-theft / mixed-file errors on myXX/XX/XXXX consumer file such as a vystar credit union bank account XXXX indicate my identity has been used fraudulently my name is XXXX XXXX birth date XX/XX/year> last four of social is XXXXXX/XX/XXXX is XXXX. Vystar routing and acct number is present attached to someone else 's name using my drivers license number and social. I request Vystar to investigate immediately. name : XXXX XXXX XXXX spelled byXX/XX/XXXX shows a drivers license with number XXXX ( the same last-four I use ) just a added number Illinois req . 12 digits unlikeXX/XX/XXXXwhich require XXXX digits, an address of XXXX XXXX XXXX,XX/XX/XXXXXXXX, email shown as XXXX, and a bank listed as Vystar ( V-Y-S-T-A-R ) Credit Union XXXXXX/XX/XXXXI have never lived at that address, never used that name, and do not know this person. XX/XX/XXXX shows a phone XXXX, and Routing and account number as XXXX, and acct number XXXX have never lived at that address, never used that name, never opened an account with this bank, and do not know this person. The presence of other peoples emails, phone numbers, addresses, and bank account information under my identifying information is evidence of identity theft or a mixed file. Actions Ive taken : I have created an FTC IdentityTheft.gov report ( attached ) and will be filing a police report. I have placed a credit freeze and fraud alert on my credit files. I requested a full file disclosure from XX/XX/XXXXand am submitting this complaint becauseXX/XX/XXXX is reporting these inaccurate and fraudulent items on my consumer file. please close this fraudulent account immediately Please advise immediately how you will proceed. I will supply my police report number once filed and will cooperate with investigators. Thank you. 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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This company called me repeatedly over and over again for a year now saying I owe money to an HSBC credit card from a very long time ago. Not thinking I set up a payment plan and paid over {$200.00} and then canceled the card realizing it was a scam. Someone else then called me back and got me again and I paid them over {$1000.00} and they sent me a letter in my email Releasing me of this debt. Every time they call me it is a different amount.There is nothing on my credit report and I have not received anything in the mail. I also contacted HSBC directly and they told me I never had a credit card with them before. The scammers answer to that was they just cant see it because it was so long ago and when I ask why its not on my credit report, they say that is due to XXXX. I have asked for proof of the statement and I was told they could not give it to me. They call from a XXXX different phone numbers, I can list a few. I have a few saved voicemails as well. The most recent phone number is XXXX. The one I blocked was XXXX but They left a number on my phone with a different number XXXX ext XXXX they are saying they are filing a civil complaint against me and theyre gon na report it to XXXX XXXX XXXX The name of the main company that kept calling me was XXXX XXXX and associates and I have the email saved where they are telling me. I am free of this debt that is now paid in full. If anybody can please help me I would be grateful they do not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief