vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

CITI 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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX which I lease. My truck lagged and shut off after showing a warning signs.. I hit the wall due to it turning off. This is a defective XXXXXXXX XXXX. This is dangerous. The second time my truck cut off on me. The first time I had to get my engine replaced. I have XXXX recalls out for my truck as well vc turbo hose and the engine bearing which causes. These result in the truck lagging engine failures and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: AR

Complaint narrative:
I borrowed {$60.00} through Daves XXXX service. Dave withdrew {$55.00} from my account, leaving a {$5.00} balance. They stated they did not take the full {$60.00} to avoid overdrafting my account. 

However, after that, Dave continued trying to charge my card about two times per day for nearly a week for the remaining {$5.00}. I requested they stop, but they refused, claiming the repayment was a single authorized transfer that I could not revoke. 
This is abusive. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.10 ( c ) ), I have the right to revoke authorization of electronic debits. The Consumer Financial Protection Bureau ( CFPB ) has also made clear that repeated failed debit attempts are unfair and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America and last week XX/XX/year>, I made a service payment of {$270.00} via XXXX to a business, XXXX XXXX XXXX, for performing a home inspection service for my new house. This transaction was incorrectly flagged for compliance violation with no clear instruction on how to resolve the issue. 

I have tried calling Bank of America, XXXX, XXXX with no clear instruction on how to proceed. Bank of America customer service agents had refused to help.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am a victim of identity theft. Without my authorization, someone used my personal information to open or attempt to open accounts and/or make transactions in my name. I did not create or approve these accounts or charges, and I am not responsible for any resulting debts or obligations. 

I am requesting that all affected businesses and credit reporting agencies investigate these fraudulent activities, correct any inaccurate records, and prevent further misuse of my identity. I have enclosed supporting documentation and am working with local authorities and credit bureaus to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CO

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than 4.4 million consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to TransUnions reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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 2025-09-17 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:
I am writing to formally file a complaint regarding identity theft and the continued presence of fraudulent accounts on my credit report. Despite numerous attempts to resolve this matter directly with the credit bureaus, the inaccurate information has not been corrected. 

An individual fraudulently opened credit card accounts under my name. I have repeatedly disputed these accounts with the credit reporting agencies and submitted documentation proving that I did not authorize, apply for, or sign for these accounts. To date, none of the bureaus have provided verification of my signature, proof of my application, or evidence connecting me to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-17 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 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:
This is now my third attempt to resolve serious inaccuracies on my credit report, and I am again forced to exercise my rights under the Fair Credit Reporting Act. Despite my prior disputes, the same accounts remain reported in a manner that is misleading, incomplete, and harmful to my creditworthiness.

One of the issues involves a charge-off accounts with XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX showing a balance of {$5800.00} XXXX XXXX  This item, like the others I will mention, is being reported without the issuance of a 1099-C even though the alleged debt is above {$600.00}. In addition, there are other charge-off accounts including XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$3700.00}, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6200.00}, and XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} * *. The absence of a 1099-C for each of these debts places the reporting in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in reporting. Without the legally required documentation, these accounts can not be verified and must be removed.

I have also found inquiries reported on my file that I never authorized and which continue to appear despite previous disputes. These include XXXX on XXXX and XXXX on XXXX. These inquiries do not reflect any permissible purpose under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and are clear violations of FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit access or use of consumer reports under false pretenses or without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This is now my third attempt to resolve serious inaccuracies on my credit report, and I am again forced to exercise my rights under the Fair Credit Reporting Act. Despite my prior disputes, the same accounts remain reported in a manner that is misleading, incomplete, and harmful to my creditworthiness.

One of the issues involves a charge-off accounts with XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX showing a balance of {$5800.00} XXXX XXXX  This item, like the others I will mention, is being reported without the issuance of a 1099-C even though the alleged debt is above {$600.00}. In addition, there are other charge-off accounts including XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$3700.00}, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6200.00}, and XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2500.00} * *. The absence of a 1099-C for each of these debts places the reporting in direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in reporting. Without the legally required documentation, these accounts can not be verified and must be removed.

I have also found inquiries reported on my file that I never authorized and which continue to appear despite previous disputes. These include XXXX on XXXX and XXXX on XXXX. These inquiries do not reflect any permissible purpose under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and are clear violations of FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit access or use of consumer reports under false pretenses or without consent.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
XX/XX/year> Dear sirs, I am working with the attorneys office of Zwicker and Associates to resolve my credit debt with XXXX XXXX XXXX. Approximately XXXX years ago, I signed a contract with the law firm to pay a total of {$54.00} per month to settle a debt with XXXX for approximately {$3000.00} I made the payments, as required. Unfortunately, I missed several payments ; however, I made earnest efforts to catch up. A problem arose in XXXX of 2025, when I made my payment, and noticed on my bank statement that an additional payment of {$54.00} was automatically deducted from my account. Since the deduction occurred towards the end of the month, I did not submit a payment the following month. 

Subsequently, I was contacted by the law firm for {$5400.00} due to my failure to make up for the monthly payment that I did not pay. I was unable to make the payment, and explained this to the representative. I was then informed by the representative that in order to avoid a default of the contract, I must submit {$1.00}, and that my payment schedule would be on the XXXX of every month, beginning in XXXX of 2025. 

As directed, I submitted my payment of {$54.00} on XX/XX/XXXX. After nearly XXXX weeks, I noticed that there was no deduction of the funds from my checking account. I contacted Zwicker, and was told that my payment was refused due to the fact that my payment would now be {$100.00}, due to a missed payment. I explained my conversation with an associate, who is a representative of the law firm, that I was told to make my payment on the XXXX. I explained that I could not afford such a payment. 

The representative asked if I had a 401 K plan, to which I explained that I receive XXXX as my sole source of income. I eventually spoke to another agent, and was told that the interest will increase my monthly obligation. Again, I explained my situation and asked if I could submit a payment of {$54.00}. I was advised that the funds would only be considered as good faith and would not be applied towards my balance. The tone of her voice made it obvious to me that there was no need for further communication with her, Now, I am unsure as to what to do, as I can not afford additional monthly interest.. I would truly appreciate any resources that may help resolve this situation. 


Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation