vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The personal loan payment was made for the XXXX 's payment on XXXX, XXXX  from my father automatic payment that check was sent and deposited by the Citi bank, but told me that they have not received the payment. ( My father has been made the automatic payments for past 2 years without any problem. ) After speaking to many loan customer service rep from Citi bank, but didn't get problem solved. Finally I've requested to speak to a manager for help and the manager XXXX told me to fax the hard copy of the physical check that payment were processed from my father 's bank. I've faxed the copy of the physical check front and back on XXXX at XXXX XXXX from XXXX XXXX  XXXX 

I called Citi loan service last week on XX/XX/year>, and Citi have received my fax but still no answer. Today I've called to check if my XXXX 's payment was processed and automated system tells that no payments were received in XXXX. I am tired of calling Citi to solve this issue, and Citi bank customer is no longer helping my problem. 
Now I am asking if Consumer finance can step in to help me to solve my problem. 

My personal loan is # XXXX, and fax reference # XXXX for hard copy of the check that were processed for the XXXX payment amount of {$520.00} were faxed on XX/XX/year> for the XXXX 's payment made. 
Citi bank has deposited the check, but no payment made for my personal loan payment. 
Please let me know if there is any more information you may need to this matter.

Thank you very much in advance,

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is in violation of Section 392.101 of The XXXX XXXX XXXX for attempting to collect debt in the State of XXXX  without a XXXX XXXX file with the Secretary of XXXX. In addition, Portfolio Recovery is reporting an inaccurate balance on the above account which Im disputing. Because of fraud and Portfolio Recovery 's negative standing with the Consumer Financial Protection Bureau, Im requesting all account level documents which shall include : the original application for credit, all signed documents including E-signatures, a complete accounting of all charges from opening of the account to the charge off date and a copy of the purchase agreement between XXXX and Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This is a formal complaint regarding the unlawful and misleading reporting of an alleged debt by XXXX XXXX XXXX XXXX, which they have since sold to another party ( Security Credit Services ). I do not acknowledge any contract with either party. There is no bilateral agreement, no mutual consideration, and no lawful, valid, or verifiable obligation in existence. 

The creation and securitization of this alleged debt occurred without my consent or authorization, which constitutes identity theft and securities fraud. Continued reporting by the original creditor ( XXXX XXXX XXXX XXXX ) after they have divested all interest in the account is misleading and violates : 15 U.S.C. 1681s-2 ( a ) prohibiting inaccurate or outdated information ; 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character or legal status of any debt ; 15 U.S.C. 1692g ( b ) failure to validate the debt upon challenge. 

I am not a party to any valid enforceable contract. All claims are rebutted, refused for cause, and returned. The ongoing reporting by XXXX XXXX is an act of bad faith, misrepresentation, and constructive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
I am filing a complaint to formally dispute certain information in my credit report. The items I am disputing are inaccurate, incomplete, and/or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ). 
Please investigate the following accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
I am filing a complaint to formally dispute certain information in my credit report. The items I am disputing are inaccurate, incomplete, and/or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ). 
Please investigate the following accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} 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 XXXXXX/XX/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 2025-05-21 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:
This serves as my third attempt to resolve the matter concerning inaccurate and fraudulent information on my credit report. Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am once again requesting that you block the information in question from my credit report within four ( 4 ) business days of receiving this notice.

As previously submitted, I have provided the required documentation, including my government-issued photo ID and additional supporting documents as outlined under the lawspecifically in accordance with 12 CFR 1022.142 ( b ) ( 6 ). Furthermore, a victim determination letter has also been included to substantiate my identity theft claim.

Per the requirements, only two forms of identification are necessary, both of which I have supplied. Therefore, I respectfully urge you to fulfill your legal obligation under the FCRA and block the disputed information without further delay. 

Thank you for your attention to this matter. I look forward to your prompt compliance and written confirmation of the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

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 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 2025-05-21 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: NV

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
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 XXXXXX/XX/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 2025-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting this complaint against Firstmark Services regarding a student loan issued under circumstances that I believe were predatory and violated fair lending standards. 

The loan in question carries an interest rate of 12.04 % and is now in collection status with a current due balance of {$13000.00} and a principal balance exceeding {$48000.00}. Despite my limited income and unstable financial status at the time of the loans origination, I was approved without any meaningful verification of my ability to repay. 

I have been on XXXX due to a XXXX XXXX XXXX for the past 18 months and am currently receiving limited fixed income. I believe the lender failed to responsibly assess my financial situation prior to issuing the loan, creating an unsustainable repayment burden that has contributed to severe financial hardship. 

This situation meets the definition of predatory lending under the standards set forth by the CFPB and the Fair Lending Laws, particularly where lenders issue high-interest loans to borrowers they know ( or should reasonably know ) are unable to repay under the offered terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing the reporting and collection of a debt by Portfolio Recovery Associates , LLC ( XXXX ) for an alleged XXXX XXXX XXXX account ending in XXXX. I have never received full debt validation, and XXXX has not provided original account documentation or assignment records proving legal ownership of the debt. 

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), PRA must stop collectionincluding credit reportinguntil proper validation is provided. A summary of alleged debt is not sufficient validation. I request the original signed agreement, full chain of assignment, and complete payment history. 

Also, under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) ( FCRA ), a reasonable investigation is required when a dispute is filed. Merely verifying my name and Social Security number does not meet that standard ( see XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 2004 ) ). 

XXXX is reporting a balance without proof of legal authority to collect or report, and I never gave them permission to access or furnish my credit information. This may constitute a violation of 15 U.S.C. 1681b ( a ) regarding permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint to dispute the accuracy and completeness of payment history reporting on several accounts listed in my credit report. After reviewing my file, I found multiple late payment entries that I do not recognize, and I believe these entries constitute billing errors as defined under 15 U.S. Code 1666 ( b ) of the Fair Credit Billing Act. 

According to the law, the following circumstances qualify as billing errors : The failure of the creditor to properly apply a payment or credit made by the consumer [ 1666 ( b ) ( 4 ) ] ; A computation or accounting error by the creditor [ 1666 ( b ) ( 5 ) ]. 

Additionally, no billing statements were provided at least 21 days before the due date, which is a legal requirement. As such, these late payments should not have been reported at all. 

Despite this, the payment history for the accounts listed below reflects multiple late payments that are both inaccurate and damaging to my credit profile. 

Disputed Accounts Late Payment Errors : XXXX XXXX XXXX  Account Number : XXXX * * * * * * * XXXX XXXX  Account Number : XXXX * * * * * * * * * * * XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX XXXX  ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX XXXX  ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX XXXX XXXX ( duplicate error reporting ) Account Number : XXXX * * * * * * * XXXX XXXXXXXX ( duplicate error reporting ) Account Number : XXXX * * * * * * * * * * * XXXX Account Number : XXXX * * * * * * * * * * * * * * * I am formally requesting the following actions from the credit reporting agency and/or furnisher : A complete reinvestigation of each disputed payment history entry ; Documentary evidence that proves the alleged late payments were in fact due, billed properly, and unpaid on time ; If such evidence can not be provided, the late payments must be corrected to show Paid on Time status ; An updated copy of my credit report reflecting the corrections. 

I am also submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and my State Attorney General 's Office for formal review and oversight. 

I expect a timely and lawful response in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act. Thank you for your immediate attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
I reviewed my credit reports and found several accounts reporting inaccurate, inconsistent, or unverifiable information. I did not receive proper documentation from the credit bureaus or the furnishers verifying these accounts.

Im not disputing just to dispute I specifically asked for : The original signed agreement or contract Month-to-month billing statements Proof of ownership and balance validation Licensing to collect in my state Correction of my personal identifying information ( which is still inaccurate ) The accounts were either ignored, marked verified without proof, or continued to report with incorrect dates, balances, or statuses across bureaus. This has affected my ability to access fair credit and caused emotional and financial stress.

I am requesting deletion of these accounts if they can not be verified in compliance with FCRA 1681i and 1681e ( b ).

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-21 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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