vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed an online order from XXXX XXXX XXXX  on XX/XX/XXXX for a total of {$920.00} ( total of XXXX dresses ), but the Citi credit card statement showed a total charge of {$1100.00}. A total charge of {$920.00} was posted on my statement on XX/XX/XXXX ( the correct total charge ), and I identified a duplicate charge of {$200.00} on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX. I returned 7 dresses and received a refund of {$720.00} from XXXXXXXX XXXX  XXXX ( the correct refund amount ), but was not given a refund of {$200.00} for the duplicate charge. 

I contacted XXXX XXXX XXXXXXXX via their text message system on XX/XX/XXXX and confirmed they charged me a total of {$920.00}. They quote : " I can assure you that you were not charged {$1100.00}... According to some bank statements they may show a double charge. I advise you to contact your bank. '' I called Citi and confirmed that I should dispute the charge on XX/XX/XXXX as the statement is showing that the charge is a duplicate. 

I initiated a dispute through XXXX on XX/XX/XXXX and received a notification on XX/XX/XXXX that the conditional credit of {$200.00} was reversed. I provided additional information and evidence regarding the double charge on XX/XX/XXXX to XXXX, but received a notification on XX/XX/XXXX that Citi was unable to resolve the dispute with the merchant as the merchant is not willing to issue credit to my account. I have called Citi multiple times to reopen the case or explain the situation to me. Even after sending all the requested information ( including my official Citi card statements ), I received the same notification on XXXX, XXXX, and XX/XX/XXXX stating that Citi could not resolve the dispute. 

The double charge is either an error from XXXX XXXX XXXX XXXX  system or Citi Card 's system. It has been 6 months of disputing this double charge without any resolution or explanation from XXXXXXXX XXXX XXXXXXXX or Citi Cards

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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
In XXXX, my former roommate used my stolen personal and financial information to apply for a loan through CashNetUSA. She had access to my paystubs, bank account, phone, and an email she created : XXXX. I did not apply for this loan, did not sign anything, and never received funds from CashNetUSA. 

My bank account was overdrafted repeatedly because of multiple fraudulent loans taken out in my name, and the account was eventually closed. Her mother agreed to pay off her debts if I didnt press charges. Since CashNetUSA was not on my credit report I was not aware it still existed until the collection popped up on my report from XXXX XXXX XXXX and I called to see what was going on. 

I have filed an FTC identity theft report, provided a police report. I have completed an Affidavit of Fraud I will attach for another loan that was fraudulently taken out. I also have court paperwork proving another fraudulent collection from the same time period was dismissed. 

This CashNetUSA loan is another result of the identity theft that occurred in XXXX, and I am requesting that this account be please removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Self Financial Inc.
State: MD

Complaint narrative:
This Self Inc response is incomplete and does not resolve the central issue of my complaint : the identity mismatch between XXXX XXXX and my legal name, XXXX XXXX, which appears across their documents, accounting records, and reporting. 
The company claims I electronically signed a Credit Builder Account using the name XXXX XXXX, but provides no identity verification documents, Customer Identification Program ( CIP ) records, or PATRIOT Actrequired verification demonstrating that I, as XXXX XXXX, opened or authorized this account. 
Under the USA PATRIOT Act Customer Identification Program ( CIP ) requirements, a financial institution must : Verify the consumers legal name, Verify the address, Verify date of birth, Verify the consumers SSN, Maintain documentation of the identity verification process, Retain CIP records and produce them when questioned. 

None of these documents were provided. 

Self Inc instead relies solely on an internal claim that an electronic signature was used, but never demonstrates how identity was authenticated, which device or IP was used, what verification steps were taken, or how they confirmed the signers legal identity. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) because : They are reporting an account under an identity that does not match my legal name. 
They failed to investigate the identity mismatch raised in my original dispute. 
They failed to produce CIP documentation required under federal law. 
They failed to verify account ownership before furnishing data. 
They continued to report inaccurate information after being notified of the dispute. 
A PATRIOT Actregulated financial institution can not lawfully open or maintain an account under one name ( XXXX XXXX XXXX and then furnish that account to the credit bureaus under a different identity ( XXXX XXXX ) without producing identity verification records. 
This is either : a misattributed account, an identity verification failure, or an incorrect consumer assignment. 
All three are federally actionable. 
Requested CFPB Resolution : I am requesting : Full deletion of the tradeline from all credit bureaus due to identity mismatch and failure to verify account ownership, Production of all CIP / identity verification records, including ID used, SSN verification, IP logs, device logs, authentication steps, and the electronically signed original contract, A renewed investigation that addresses the identity discrepancy directly and complies with FCRA 623 ( b ).

The furnisher reported under the wrong identity and has not demonstrated compliance with federal identity verification requirements.With the information that was provided by Self Inc they are clearly showing the inaccurate information. The account can not be verified as mine and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
TransUnion, Experian, and Equifax From : XXXX XXXX XXXX Date : XX/XX/year> I am disputing several accounts on my credit report that contain inaccurate information. These errors are negatively affecting my credit score and my ability to obtain fair credit terms. 
Accounts I am disputing : DEPTEDXXXX  student loan accounts ( 7 accounts total ), The late payment histories being reported are incorrect. These accounts show XXXX day late payments that do not reflect my actual payment history. 
XXXX XXXX credit card account - The account closure information is inaccurate and unfairly damages my credit profile. 

I have previously disputed these items, but the inaccurate information continues to appear on my reports with notations stating " dispute resolved - consumer disagrees. '' I am requesting a thorough reinvestigation of each disputed item. 
Under the Fair Credit Reporting Act, I have the right to accurate credit reporting. I am asking each bureau to verify this information with proper documentation or remove it from my credit file immediately. 
I expect a response within 30 days as required by federal law. 
Sincerely, 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

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 2025-12-04 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 follow up complaint serves as my sixth formal demand for the full removal of multiple inaccurate, conflicting, and completely unverifiable items currently appearing on my credit reports with Experian, XXXX, and TransUnion. Despite several prior disputes and written notices, these items continue to appear on my credit file without verifiable documentation, proper substantiation, or lawful reporting standards. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account remains reported with inconsistent and conflicting balances {$8400.00} on Experian and TransUnion, {$4600.00} on Experian and TransUnion, and {$5000.00} on TransUnionall of which can not simultaneously be accurate and therefore must be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is repeatedly reported with a {$0.00} balance, yet continues to appear despite lack of verification and proper documentation. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account remains listed with a {$15000.00} balance, although no supporting documentation or verification has ever been produced, making it unverifiable under federal law and requiring immediate removal. 
The XXXX XXXX XXXX XXXX  account reporting a balance of {$4000.00} on Experian and TransUnion has never been validated, authenticated, or supported by original creditor documentation as required by law, rendering it legally unreportable and therefore requiring full deletion. Additionally, the XXXX XXXX XXXX XXXX inquiry dated XX/XX/year> on Experian is unauthorized, unverified, and reported without any permissible purpose, making it a violation of federal standards and requiring immediate removal. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and require the removal of all inaccurate and unverified information. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 prohibits furnishers from reporting any information that can not be fully verified. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy and prohibits continued reporting of conflicting, inconsistent data. 
For collection accounts, FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ) require full and complete validation of any alleged debt, and since no validation has ever been produced, the collection reporting remains legally unreportable. Regarding the unauthorized inquiry, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibit credit bureaus from listing inquiries without a lawful, permissible purpose.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Apelles, LLC
State: GA

Complaint narrative:
To : Apelles Apelles LLC XXXX XXXX XXXX XXXX, OH XXXX Subject : Debt Validation Request under 15 U.S. Code 1692g and FCRA Requirements To Whom It May Concern, I am writing in response to a collection notice I received from your agency on XX/XX/year> regarding an alleged debt with reference/account number : This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which gives me the right to request full validation of the alleged debt. I request that you provide complete and competent validation of this debt, including but not limited to : 1.The name and address of the original creditor.

2.A copy of the original signed contract or agreement bearing my signature.

3.A detailed accounting of the alleged debt, including all charges, interest, and fees.

4.Documentation showing that you are legally authorized to collect this debt in my state.

5.Proof that you are licensed in my state to collect debts ( if applicable ).

6.The chain of custody ( chain of title ) of the account from the original creditor to your agency. 

Furthermore, if you have reported this alleged debt to any XXXX XXXX XXXX ( XXXX  ), you are required to mark the debt as disputed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ).

I also request that you provide a copy of the XXXX XXXX data format you used when reporting this account to the CRAs, including the compliance with XXXX  dispute codes, specifically : XXXX XXXX Account information disputed by consumer. 
XXXX XXXX Account closed at consumers request ( if applicable ). 
XXXX XXXX Deletion requested ( if you can not validate this debt ). 

Until you provide the requested validation, you must cease collection efforts and must not report this account to any CRA, or must update any existing report as disputed as required by law. 

Be advised that any failure to comply with this request will be considered a violation of the FDCPA and FCRA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and relevant regulatory bodies. 

You have 30 days from the receipt of this letter to respond with the appropriate validation. Until then, any further collection activity, including phone calls or reporting to XXXX, will be considered a willful non-compliance with federal law. 
Account XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding the inaccurate and inconsistent reporting of my XXXX  XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Although this account reflects a {$0.00} balance and was resolved in good faith, each bureau is displaying payment histories that do not match the true handling of the account or the timeline of its completion, and these errors remain uncorrected despite the protections afforded to me under the Fair Credit Reporting Act. Experian lists the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX, but reports 30-day, 60-day, and 90-day lates for XXXX, XXXX, and XX/XX/XXXX even though the account had been properly managed and settled. Equifax shows the same account with a {$0.00} balance, opened on XX/XX/XXXX and last active on XX/XX/XXXX, yet is reporting a 30-day late for XX/XX/XXXX and a 60-day late for XX/XX/XXXX, which contradicts the actual resolution of the account earlier in the year. TransUnion reports the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX but also lists 30-day, 60-day, and 90-day late notations for XXXX, XXXX, and XX/XX/XXXX, even though my records and communication with the creditor make it clear the account had already been fully addressed and brought to a XXXX balance by that time. I have tried to resolve these inaccuracies by disputing them directly with the credit bureaus, as permitted under FCRA 611, and I understand that furnishers also have obligations under FCRA 623 ( a ) ( 2 ) to correct and update information and under FCRA 623 ( b ) to conduct proper investigations when notified of disputes. These continued discrepancies across all three bureaus contradict Congresss intent in FCRA 602 to maintain accurate and fair credit reporting, and even 15 U.S. Code 1666 reinforces the expectation that errors related to credit information must be corrected promptly once identified. Because I handled this account responsibly, paid it as agreed, and ensured it was resolved in good faith, the reporting now being displayed is not reflective of the true manner in which the account was completed. These errors have persisted across all three bureaus.

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 2025-12-04 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
This complaint involves two separate matters handled by XXXX XXXX XXXX and their law firm, Osborn Jacobs XXXX XXXX XXXX. 

1- Improper Garnishment ( Case XXXX ) In XX/XX/year>, the law firm initiated a wage garnishment against me. 
On XX/XX/year>, the Iowa XXXX XXXX denied their Application to Condemn Funds because, as the judge stated, there is not adequate proof that the Judgment Debtor was served with notice of garnishment. 
The court gave the firm thirty days to cure the defect, but they did not respond. 
My garnished wages were refunded by the XXXX XXXX XXXX on XX/XX/year>, after being held for nearly ninety days without legal justification. 

2- New Alleged Debt and Failure to Validate ( File XXXX ) On XX/XX/year>, nearly ten months after the improper garnishment, the same law firm sent a letter about a different alleged debt and referenced post-judgment interest, even though I was never served or notified of any lawsuit for this account. 
I disputed this alleged debt by sending a strict validation request on XX/XX/year>. 
The firm received my dispute on XX/XX/year>, based on XXXX tracking. 
They did not provide any validation, such as a contract, chain of title, proof of judgment, itemized account ledger, or any other required documentation. 
Although they paused collection, they did not correct or delete the unvalidated information. 

3- Pattern of Conduct Across two unrelated matters, the same law firm failed to follow required procedures, misrepresented the legal status of a debt, and ignored validation law after receiving a dispute. These repeated actions eliminate any possibility of an honest mistake and demonstrate a pattern of non-compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief