vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
My auto loan with XXXX XXXX XXXX was paid in full several years ago. Despite the loan being fully satisfied, XXXX never released the lien on my vehicle. 
The lien is still actively showing in Arizonas electronic lien system, which has prevented me from selling, transferring, or otherwise disposing of the vehicle. 
I no longer have online account access and have been unable to reach a customer service representative by phone despite repeated attempts. The automated phone system will not allow me to speak with a representative without an account number. 
I am requesting immediate issuance of a lien release and electronic removal of the lien with Arizona XXXX. This issue has persisted far beyond the legally required timeframe and has caused significant hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because Citibank has withheld {$6000.00} of my funds since XX/XX/year> and twice lied to the CFPB about resolving the issue. My previous complaints, # XXXX ( XX/XX/year> ) and # XXXX ( XX/XX/year> ), were both closed by Citibank based on a false claim that they responded to me the account holder and complainant. 

They never did. I received no email, no phone call, and no mailed response from Citibank in either case. The only known communication was a letter they sent to the payee, not to me, in which they admitted the funds did not belong to him and told him to have me recall them through my bank. That letter was never sent to me directly. 

Despite submitting feedback in both complaints to clarify that I never received a response, CFPB marked both complaints closed, and Citibank has still not returned my funds. 

Citibank : - Withdrew money from my XXXX XXXX account - Admitted the payee wasnt entitled to it - Refused to return the money to me- Lied about resolving the issue - Has now bypassed regulatory process twice I am requesting immediate supervisory review and enforcement. At this point, Citibanks behavior appears not just negligent, but intentionally deceptive. I am also preparing to escalate this through legal channels if not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
i was in my local XXXX XXXX and my check was declined i have no idea why i called my bank there are no holds or anything. i called telecheck and got the run around as to why my check was declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The BK OF AMER account is being reported inaccurately as a collection. This account was paid in full and has a zero balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a zero balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I have never had any relationship with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing an alleged debt being collected by I.C. System, XXXX on behalf of XXXX XXXX XXXX XXXX. This debt is invalid, unverified, and time-barred. 

Mailbox Forwarding services were canceled in XX/XX/XXXX after my credit card on file failed to process. At that time, XXXX XXXX notified me in writing that if billing information was not updated, my account would be closed within 60 days. I did not receive any services, mail, invoices, billing attempts, or communications after that date. 

In XX/XX/XXXX, I was contacted by I.C. System attempting to collect an alleged debt. In response, I requested validation. 

XXXX XXXX subsequently admitted in writing that the credit card on file failed to be billed successfully many years ago and that no successful billing occurred thereafter. Despite this admission, XXXX XXXX generated a retroactive invoice dated XX/XX/XXXX, more than 12 years after billing failed and services ceased, claiming over {$6500.00} in charges for alleged monthly service fees and mail storage. 

This invoice was created without any contemporaneous billing, invoices, notices, proof of service, or mail receipt records, and is being relied upon by I.C. System as justification for collection activity.

The invoice further claims the storage of hundreds of pieces of mail over many years, which is false. No mail logs, XXXX records, delivery confirmations, or notification records have been produced. Generalized statements or internal summaries do not constitute valid debt validation. 

This alleged debt is well beyond the statute of limitations, was never billed contemporaneously, and is unsupported by documentation. Continued collection or reporting of this account constitutes violations of the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 2025-12-22 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:
I am disputing the accuracy of the following accounts on my Equifax credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sold a jacket for {$2100.00} using PayPal. The buyer filed a dispute through PayPal claiming the item was not as described. I provided full documentation including the original listing, detailed photos, and delivery confirmation. After reviewing the evidence, PayPal resolved the dispute in my favor, confirming the item was as described. 

After losing the PayPal dispute, the buyer filed a chargeback through their bank claiming item significantly not as described. The buyer was refunded, PayPal removed the funds from my account, and the buyer retained the jacket. The item was never returned to me. 

I contacted PayPal multiple times requesting XXXX XXXX reimbursement, as the buyer received both the refund and the item. PayPal issued a final decision denying reimbursement but refused to cite a specific XXXX XXXX policy clause that allows a buyer to keep an item after losing a PayPal dispute and still recover funds through a bank chargeback. 

This resulted in a {$2100.00} loss despite my full compliance with PayPal policies and a prior ruling in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I have federal student loans that were transferred between servicers. In XX/XX/year>, the loans were reported as late on my credit report. 
At the time the late payments were reported, the servicer was using an email address that never belonged to me and a mailing address that was over 10 years old. As a result, I did not receive any billing statements, notices, or other communication indicating that a payment was due.

I had previously updated my contact information several years prior to the servicer transfer, but the updated information was not correctly carried over to the new servicer. 
I became aware of the reported late payments in XX/XX/year> when I reviewed my credit report. I immediately contacted the servicer, corrected my contact information, and requested repayment assistance. The loans were placed into deferment, and the account is currently in good standing. 
I contacted the servicer by phone and spoke with a supervisor to request a retroactive deferment or forbearance and a credit reporting correction due to lack of proper notice and incorrect contact information. I was advised that this could not be resolved by phone and that no further internal escalation was available. 
The late credit reporting resulted from incorrect contact information and lack of proper notice following a servicer transfer, not from refusal to pay. I am requesting review and correction so that the credit reporting accurately reflects the account status.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I am requesting assistance obtaining a Lien Satisfaction Letter from Lendmark Financial Services for a vehicle title loan. 

The original loan was issued by XXXX XXXX in XX/XX/XXXX and was refinanced by Lendmark Financial in XX/XX/XXXX. 

The XXXX DMV requires a lien satisfaction letter from Lendmark before they will release or correct the vehicle title. 

I have made multiple attempts to obtain this document, including certified mail requests, emails, and phone calls. My certified letter was mailed on XX/XX/XXXX and delivered on XX/XX/XXXX, with no response from Lendmark. 
Lendmarks failure to respond is preventing the DMV from processing my vehicle title and is causing ongoing harm. 

I am requesting that Lendmark provide a Lien Satisfaction Letter on company letterhead confirming release of all interest in the vehicle or written confirmation that no lien is held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Multiple American Express Agents incorrectly stated no trailing interest would post. I relied on that information. Interest was assed anyway. I am requesting a refund and correction of service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX account was opened in my name at XXXX XXXX XXXX, XXXX, Ohio in XX/XX/year> and closed in XX/XX/year>. I have never lived at this address, nor have I had any association with it. 

I have submitted a complete identity theft report, including : Copies of my old and new government-issued IDs IdentityTheft.gov report Police report Sworn affidavit stating I did not authorize anyone to open the account Evidence of my legitimate addresses ( old and current ) Supporting documents proving the account is not mine Despite this, Online Information Services is refusing to block and remove the fraudulent account from my credit report. They are demanding additional documentation, specifically XXXX utility bills from XXXX 2024, which is unnecessary and irrelevant, as the fraudulent account existed only from XXXXXXXX XXXX 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), a company must block fraudulent accounts after receiving a valid identity theft report. Additionally, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) prohibits unfair or deceptive collection tactics, including attempting to collect on a debt known to be fraudulent.

I am requesting that the CFPB investigate Online Information Services for failing to comply with federal law, ensure the fraudulent account is blocked and removed from all credit reports, and that any further collection attempts cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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