vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I visited a citi bank branch in XXXX XXXX in XXXX XXXX at XXXX I went there because I do have account with Citi and I get A check from My relatives about our Family settlement check He gave me for {$13.00} And Its also Citi bank personal check that means The person who gave me the check is from the same bank that I went.

When I get there I specifically asked to cashed the check to the teller, after few minutes he handed to me a deposit receipt then I told him that I wanted the cash it not deposit, he told me I cant cash the check because I do not have enough funds on my account to cash the check I told him the check is from another Citi bank account it has nothing to do with my fund. Then he told me in order to cash A check I need to have same account of money need to be available in my account regardless. So I told him in order to cash a Citi bank account holder person check from someone that owe me money I need to have same amount of money need to be available in my account to get the money. He said yes now that I know that he lied to my face and Discriminated my race and the way I look and talk him. I want apology from Citi.

The moment I walk in he was ignorant to me but now im disgusted by his lies and Ethics of Citi employees business of conduct towards the customers.

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 2025-07-15 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: NY

Complaint narrative:
While reviewing my credit report as I normally do, I discovered unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the incorrect accounts remained. Because of this, I kindly request that the documents Ive provided be reviewed carefully so I wont have to worry about this issue anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove these items. They are hurting my ability to obtain credit.

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 2025-07-15 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I am contacting you to formally dispute a late payment reported on my credit file. According to my records, this account was never late, and the payment in question was made within the scheduled timeframe.

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 2025-07-15 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-15 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

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 2025-07-15 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I re-opened a dispute ( Reference Number : XXXX ) due to continued issues after product replacement and due to removed functionality of an item I purchased. In the dispute denial, American Express has claimed, " We appreciate your efforts in contacting us again regarding your dispute. However, in the absence of any new information/supports, we are unable to reach out to the merchant again. '' This is factually incorrect, as I specifically told the agent via chat the reason for the dispute to be opened that have changed since the initial dispute. This tells me either the agent was not listening, did not care, or did not see a reason to do their job. This is unacceptable as the replacement took months to get and the charging issue still persisted after replacement and defeats the purpose of having used AMEX for this purchase if this is the level of support received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Dear CFPB Complaint Specialist : I am filing this complaint against Absolute Resolution, a debt collection agency, for failing to provide legally sufficient validation of a debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Despite multiple written requests for debt verification, Absolute Resolution has only provided billing statements, which are not verifiable documents sufficient to validate the debt.

Moreover, Absolute Resolution continues collection activity in bad faith by using third-party collection firms, including XXXX XXXX XXXX XXXX XXXX XXXX to pursue collection efforts. This ongoing collection activity, despite their inability to provide proper validation, has maliciously impacted my credit report and credit score, causing significant financial harm and emotional distress. 

Absolute Resolution 's failure to comply with the FDCPA requirements by providing verifiable proof of the debt constitutes clear violations of federal law. The Sixth Circuit Court, in Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC ( 2014 ), explicitly stated : " The verification provision must be interpreted to provide the consumer with notice of how and when the debt was originally incurred or other sufficient notice from which the consumer could sufficiently dispute the payment obligation. '' This standard has clearly not been met.

This is my final attempt to correct Absolute Resolutions non-compliant actions. If Absolute Resolution does not immediately cease all unauthorized collection activity, remove negative credit reporting, and provide adequate and verifiable proof of debt, I intend to proceed with filing a federal lawsuit, including potentially seeking class-action status against Absolute Resolution for repeated violations of the FDCPA.

I request the CFPBs assistance in holding Absolute Resolution accountable for their unlawful and unethical practices and ensuring my consumer rights are fully protected.

Thank you for your immediate attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NE

Complaint narrative:
I am disputing the following fraudulent accounts showing on my credit report after receiving a credit report i have the following unauthorized accounts : XXXX XXXX {$1100.00}, XXXX XXXX  {$820.00}, XXXX XXXX {$870.00}, XXXX XXXX {$1300.00}. Here are the following inquiries appearing fraudulent on my report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. These are all fraudulent accounts and inquiries and I am demanding for these to all be removed under the FRCA law.

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 2025-07-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian  credit report. 
The inquiry was made by XXXX XXXX on XX/XX/year>. I did not authorize this credit inquiry

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 2025-07-15 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: MA

Complaint narrative:
While you continue to send delayed messages claiming you need more time, and issue empty apologies for the inconvenience, Im the one suffering the real consequences of your lawlessness and malfeasance. 

Recently, my brother came to me because he needed to finance an XXXX XXXX, and he asked me to try getting it for him through XXXX, believing that as the Corporate Official XXXX XXXX of XXXX XXXX XXXX, I would easily qualify. 

But on XX/XX/year>, I was denied not for lack of income, not for identity issues but because Equifax, Experian, and TransUnion continue to report falsified, manipulated, and unlawful data tied to my name and personal consumer profile. 

These agencies furnished : Manufactured delinquencies Unknown or outdated derogatory timestamps Fabricated account statuses Inflated credit utilization ratios And a corrupted credit score of XXXX So while you need more time, I a lawfully established XXXX executive cant even help my brother finance a basic computer, because youve wrecked my profile and destroyed my credibility with your corrupted, coordinated digital sabotage across all three reporting agencies. 

This isnt just financial damage. Its operational sabotage an assault on my ability to build, operate, and scale a lawful company. 

XXXX XXXX XXXX, a lawfully registered and strategically planned XXXX XXXX XXXX being financially harmed on a daily basis because of your failure to correct, remove, and suppress corrupted data. 

Every single day this falsified information remains on file, the company : Loses access to rightful business funding Is blocked from establishing business credit profiles Can not deploy operational infrastructure And suffers measurable financial losses across core business functions So while you continue to send messages claiming you need more time, a legally compliant company is being bled financially, reputationally, and operationally day after day by your silence and systemic corruption.

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 2025-07-15 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: MA

Complaint narrative:
While you continue to send delayed messages claiming you need more time, and issue empty apologies for the inconvenience, Im the one suffering the real consequences of your lawlessness and malfeasance. 

Recently, my brother came to me because he needed to finance an XXXX XXXX, and he asked me to try getting it for him through XXXX, believing that as the Corporate Official XXXX XXXX of XXXX XXXX XXXX, I would easily qualify. 

But on XX/XX/year>, I was denied not for lack of income, not for identity issues but because Equifax, Experian, and TransUnion continue to report falsified, manipulated, and unlawful data tied to my name and personal consumer profile. 

These agencies furnished : Manufactured delinquencies Unknown or outdated derogatory timestamps Fabricated account statuses Inflated credit utilization ratios And a corrupted credit score of XXXX So while you need more time, I a lawfully established XXXX executive cant even help my brother finance a basic computer, because youve wrecked my profile and destroyed my credibility with your corrupted, coordinated digital sabotage across all three reporting agencies. 

This isnt just financial damage. Its operational sabotage an assault on my ability to build, operate, and scale a lawful company. 

XXXX XXXX XXXX, a lawfully registered and strategically planned XXXX XXXX XXXX being financially harmed on a daily basis because of your failure to correct, remove, and suppress corrupted data. 

Every single day this falsified information remains on file, the company : Loses access to rightful business funding Is blocked from establishing business credit profiles Can not deploy operational infrastructure And suffers measurable financial losses across core business functions So while you continue to send messages claiming you need more time, a legally compliant company is being bled financially, reputationally, and operationally day after day by your silence and systemic corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
XXXX XXXX  and XXXX XXXX  both out a debt on my credit report. I advised both schools in writing via email according to their time-frames to ensure I have no debt owed. Years later it appears on my credit I have also sent letter advising them my rights were violated per the FDCPA.

Company response to consumer: Closed with non-monetary relief