vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for the Citi Business Platinum credit card and was approved in early XXXX. The card came with a promotional bonus that required spending a specific amount within a set time frame. I met the minimum spend requirement in XX/XX/year>, well within the promotional period. 

However, in XX/XX/year>, my account dashboard began showing that I still needed to spend an additional {$2800.00} to qualify for the bonus. I immediately called Citi to clarify this and was told by a representative that the dashboard was not displaying correctly and that I had already met the requirement. I was assured that internal notes would be added to my account reflecting this. 

Over the following months ( from XXXX through XX/XX/year> ), I had multiple conversations with Citi customer service and supervisors, all of whom acknowledged that I had fulfilled the spending requirement and that the issue was system-related. Despite this, the bonus has still not been credited to my account. 

I have provided a screenshot showing the inaccurate spend requirement message and have repeatedly requested updates and resolution. Each time, I was told the issue was noted internally and would be corrected, but no action has been taken to honor the promotional offer. 

I am requesting that Citi fulfill the terms of the promotion and issue the bonus that I rightfully earned after meeting the required spending threshold within the designated time.

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 2025-07-23 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: DC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. 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

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 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica

Complaint narrative:
In XXXX, while living in XXXX XXXX, Michigan, I opened a savings account for my minor son XXXX XXXX at Comerica Bank, with myself, XXXX XXXX, listed as XXXX. The account had a balance of approximately {$500.00}. Shortly after opening the account, I permanently returned to XXXX and did not access or close the account. Recently, I found a XXXX account statement showing a balance of {$510.00} in that savings account, which was later withdrawn without my knowledge or authorization. Comerica Bank previously responded to my CFPB complaint saying they had no record of the account. I am now attaching a scanned copy of the statement as proof. I respectfully request a full investigation into the account activity and the return of the funds, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/year>, I received a derogatory mark alert on my credit report from Transworld Systems Inc. for a {$250.00} account. I immediately contacted the company and asked if they would agree to remove the account from my credit report upon full payment.

I spoke with a representative and a supervisor, and I requested a letter or email confirming the agreement before making payment. However, both refused to provide anything in writing, even after I explained that I was ready to pay in full the same day. 

I believe it is unfair and harmful to deny a consumer written confirmation, especially when they are acting in good faith to resolve a debt. I respectfully request that Transworld Systems be asked to provide clear and fair communication to consumers and remove the account from my credit report after payment. 

I am still willing to resolve this, but I believe I deserve written protection for my credit in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 have several accounts that were and hard inquiries inputted onto my credit report without my authorization. My personal information has been exposed in several data breaches including the XXXX XXXX  data breach and the XXXX XXXX  data breach.

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 2025-07-23 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: CL Holdings LLC
State: FL

Complaint narrative:
i have never done any business or went into any agreement or sighned any papers with Jefferson Capital Systems at any time. they are violating my rights and are making it hard to provide for my family by destroying my credit, i want this removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I have previously disputed Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a verified identity theft victim and am actively engaged in litigation related to the illegal reinsertion of fraudulent accounts that were previously blocked and removed from my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), I formally requested the blocking and deletion of multiple fraudulent student loan and credit accounts that appeared on my Experian and Equifax credit files. These were the result of identity theft stemming from the Equifax data breach, which is now a matter of federal record.

After a compliant and documented dispute, both Equifax and Experian previously removed the fraudulent accounts and issued updated reports acknowledging this removal. However, on or around XX/XX/XXXX XXXX, Experian and Equifax reinserted the previously deleted data without legally required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) a clear and direct violation of the Fair Credit Reporting Act.

According to FCRA, if a CRA reinserts previously deleted information, they are required by law to notify the consumer within 5 business days. No such notice was provided. Instead, I received a vague, non-compliant email implying I " should have known '' about the disputed accounts a statement that not only lacks legal merit but constitutes a material misrepresentation.

I am currently in the litigation process and pursuing legal remedies under FCRA for these violations. My attorney has cited the following precedents in our ongoing action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established that inaccurate reporting due to reinsertion can constitute willful noncompliance with the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that failure to notify the consumer of reinsertion is a direct FCRA violation and grounds for statutory and punitive damages. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Found that failure to conduct reasonable reinvestigation or notify consumers regarding disputed entries is actionable under FCRA 1681i. 

These CRAs have shown willful disregard for federal law, have ignored my FTC Identity Theft Report and supporting documentation, and are complicit in further harming my credit profile by unlawfully restoring false data jeopardizing not just my financial well-being but violating my rights under federal consumer protection law.

I am formally demanding the immediate and permanent deletion of the reinserted fraudulent accounts, notification of all furnishers involved, and a full audit trail of the reinsertion process.

Failure to resolve this will result in the expansion of our litigation to include additional claims for damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
Several hard inquiries appeared on my credit report that I did not initiate, authorize, or consent to. I did not apply for credit with these companies, nor did I have any interactions or business with them that would justify a permissible purpose to access my credit file under the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without my knowledge and have negatively impacted my credit profile. According to FCRA 604 ( a ), a consumer reporting agency may furnish a consumer report only for specific permissible purposes and with proper authorization. Since no such authorization was given, these inquiries constitute a violation of my consumer rights.

I am requesting a thorough investigation into each inquiry and immediate removal of any that can not be fully verified as authorized.

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 2025-07-23 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: GA

Complaint narrative:
This complaint involves clear violations of federal consumer protection laws. XXXX XXXX and the Collection Agencies continue pursuing debt collection while failing to meet basic tax reporting requirements. Credit reporting agencies have ignored substantive evidence and failed to conduct proper reinvestigations. 

I have attempted to resolve these issues through proper dispute channels but have been met with automated responses and inadequate investigations. The contradictory handling of this accounttreating it as both cancelled for charge-off purposes and collectible for legal actionviolates multiple federal statutes. 

I respectfully request prompt investigation and appropriate enforcement action to resolve these violations and prevent similar harm to other consumers.

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 2025-07-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This complaint involves clear violations of federal consumer protection laws. American Express and the Collection Agencies continue pursuing debt collection while failing to meet basic tax reporting requirements. Credit reporting agencies have ignored substantive evidence and failed to conduct proper reinvestigations.

I have attempted to resolve these issues through proper dispute channels but have been met with automated responses and inadequate investigations. The contradictory handling of this accounttreating it as both cancelled for charge-off purposes and collectible for legal actionviolates multiple federal statutes.

I respectfully request prompt investigation and appropriate enforcement action to resolve these violations and prevent similar harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Installment account opened at XXXX on XX/XX/XXXX under the account number XXXX, a Collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX, and a Collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Date : XX/XX/year> This is to notify you that I am disputing the validity of a debt that you allege I owe and that you may be reporting to one or more consumer reporting agencies. This is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and a notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2. I am requesting the following information : 1. The name and address of the original creditor ; 2. A copy of the original contract or agreement bearing my signature, or any legal documentation proving I agreed to the alleged debt ; 3. An itemized breakdown of the total debt amount, including interest, fees, and charges ; 4. Proof that you are authorized and licensed to collect debts in my state ; 5. The date of first delinquency and verification that the debt is still within the statute of limitations ; 6. Verification that this debt has not been paid or discharged. 

Additional Notice : If you are furnishing information about this alleged debt to any credit reporting agency, you are obligated under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) to only report accurate and verifiable information.

If the information can not be verified, it must be removed. Furthermore : You must mark the account as disputed with all credit reporting agencies.

You must cease all collection and reporting activities until you have fully validated the debt. 

Failure to Respond : If you do not provide the requested validation within 30 days of receiving this notice, I demand that you : Cease all collection activities immediately ; Remove any negative information from my credit reports ; and Provide written confirmation of your compliance. 

This letter serves as evidence that you are either reporting unverifiable debt, engaging in unfair collection practices, or failing to follow federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was not aware of these accounts and did not give permission for them to be opened. They are fraudulent and must be deleted from my credit report within 15 days, per USC 1681g. Enclosed is supporting documentation.

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 2025-07-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation