vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Regarding Inaccessible Citi Business Account XXXX XXXX XXXX Dear Sir or Madam, I, XXXX XXXX, am submitting this formal complaint regarding my Citi Business Account under the name XXXX XXXX XXXX Account Summary and Issue - Citi Business Account Number : XXXX - My last known balance was {$2800.00}. - On XX/XX/year>, I received two payments : {$600.00} via XXXX from XXXX XXXX. {$1400.00} from XXXX XXXX. - On XX/XX/year>, I visited a Citi Bank branch in XXXX XXXX XXXX, FL and initiated a wire transfer in the amount of {$20000.00} to my XXXX XXXX XXXX XXXX Account. - On XX/XX/year>, I discovered I no longer had access to my Citi Business Account. Attempts to Resolve with Citi Since XX/XX/XXXX, I have made multiple attempts to contact Citi Business Customer Support. Each time, I have been placed on hold for 2.53 hours, listening to music, without ever reaching a representative. As of today, I still have no access to my account, and my funds remain unavailable. Requested Resolution I respectfully request that the CFPB open a case to : 1.

Investigate why my Citi Business Account has been locked without notice. 2. Ensure I regain full access to my account and funds. 3. Require Citi to provide a timely explanation for this disruption. Evidence I am providing supporting screenshots of : - My account balance and transaction history ( showing the payments and wire ). - My repeated call attempts to Citi Business Customer Support. I appreciate the CFPBs assistance in resolving this matter. Please contact me at the information provided above if further documentation is required. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX Evidence Exhibits Exhibit A {$600.00} XXXX Payment ( XXXX XXXX, XX/XX/year> ) Exhibit B {$1400.00} Payment ( XXXX XXXX, XX/XX/year> ) Exhibit C {$20000.00} Wire Transfer ( XX/XX/year> )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I used a balance transfer check for a Best Buy Citi card and the balance to avoid interest was due on XX/XX/year>. I made a payment in full on XX/XX/year>, however because I used a balance transfer check on XX/XX/year> and the payment was applied to the new balance. I contacted Citi on XX/XX/year> and I was told since the new promotional balance was larger, it would receive the payment. They issued me a refund of the payment and told me to not make the full payment for the promotional balance until it was due on XX/XX/year>. I then made a payment in full on XX/XX/year> for the promotional balance due that day. When I received my XXXX statement I was charged {$70.00} in interest. I called on XX/XX/year> to inquire about the the interest and was told it was an error and a refund of the interest was applied. I was told that the problem was fixed, the payment was now applied to the correct balance and I would not receive the interest going forward. I checked my statement today and I was charged {$67.00} in interest for the promotional balance I paid. I contacted Citi today and was told that their system doesn't allow payments to go to specific promotional balances, so which ever balance is greater, it will receive the monthly payment. Citi took my {$2600.00} payment I made on the date the promotional balance was due for the full amount and applied it to another balance, and then charged me the interest for the promotional balance stating the system doesn't allow payments to be applied to specific balances.

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 2025-09-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Continuation of Complaint Credit Acceptance Failing to Provide Written Documentation This complaint is directly related to my original complaint against Credit Acceptance filed on XX/XX/year>. 

In my original complaint, I requested written documentation regarding my disputed account including : Notice of Sale with proof of mailing Post-Sale Accounting/Deficiency Notice Full accounting breakdown and payment history documentation Credit Acceptance ignored my original written dispute ( sent XX/XX/year> ) until after the CFPB complaint was filed. On XX/XX/year>, they responded but only requested a phone call instead of providing the legally required documents in writing. 

I have made it clear that all communication must be in writing for legal and documentation purposes. As of today, they have failed to provide any of the requested documents or respond properly to my dispute.

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 2025-09-22 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:
XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-09-22 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: VA

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 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 2025-09-22 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: VA

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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I submitted a timely Validation of Debt request to MIDLAND CREDIT MANAGEMENT regarding Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$1700.00}, {$960.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, MIDLAND CREDIT MANAGEMENT failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
I am disputing a debt that XXXX XXXX claims I owe in the amount of {$400.00}. I have asked several times for proof that this debt is mine and that they have the right to collect it. They have not provided the information I requested. I have sent multiple written requests asking them to verify and validate this debt. The most recent letter was sent XX/XX/25. They have not provided key information, such as the name of the original creditor, proof that they own or were assigned this debt and complete account and payment history. Instead, they continue to report this debt and send generic or inaccurate information to the credit bureaus and to me personally without giving me the proof I asked for. Continuously sending stall letters and not delivering the proof I've requested is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This majorly affects me because the accounts are still being reported on my credit file, which is lowering my credit score and harming my ability to get credit and other opportunities. I have spent time and effort trying to resolve this, but they are not fixing the issue. Thank you for your 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX I was notified that my XXXX  XXXX XXXX went into default, but this was through an error. My school failed to alert my loan servicer that XXXX XXXX XXXX XXXX XXXX XXXX and had been since XX/XX/XXXX. I sent in the proper paperwork to correct the mistake, and the Default Resolution Group ( DRG ) aka the Debt Management Collection Group, was notified of this on XX/XX/XXXX. In late XX/XX/XXXX, my scholarship stipend was garnished and this was due to DRG. When I called, they stated that they hadn't garnished anything, but on the website it clearly states that they did. I have made numerous calls and emails to DRG to stop this garnishment, but nobody has responded. I have stated numerous times that these aren't wages, but my scholarship stipend from XXXX so I can pay for my schooling as well as my livelihood while in XXXX XXXX They refuse to stop the garnishment, even though they have acknowledged the mistake. Due to the garnishments, I can not pay rent, feed myself, or pay any of my bills. I am not working, and my stipend helps me survive. I also never received any paperwork stating that they would be garnishing anything or that this whole process was occurring. I was told on XX/XX/XXXX that my loans would be received back to the loan servicer in 7-10 days by a manager and a regular representative. On XX/XX/XXXX I received an answer from Aidvantage who is not the loan servicer for the XXXX XXXX XXXX. I need the DRG to answer NOT Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NJ

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

1681c2 ) that you, the Equifax 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 {$1000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH IDENTITY THEFT REPORT FROM FESERAL TRADE COMMISSION

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I request that these entries be investigated, and if verification is not possible, they should be corrected or deleted accordingly.

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