vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: PA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} deleted in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} not reported in XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

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 2025-12-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 190 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2025-12-05 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: GA

Complaint narrative:
I dispute these accounts as they are not mine and request removal within XXXX  days under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} not reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-05 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} not reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
This complaint is related to a previously closed CFPB case ( Case No. XXXX ). The prior case was closed without a proper review of the evidence, and significant unresolved regulatory issues remain. I am requesting a full reinvestigation because Citizens Bank failed to comply with Regulation Z requirements and caused substantial financial harm. 

The total amount of disputed unauthorized transactions was {$7700.00}. These transactions included unusually high-value luxury purchases that did not match my spending history. My card had been lost/stolen around the time these transactions occurred. 

Despite disputing these charges repeatedly throughout XXXX, Citizens Bank did not provide any evidence that the transactions were authorized. The bank failed to provide signature verification, device/IP data, card-present confirmation, fraud investigation notes, merchant documentation, or any form of authorization proof. Under Regulation Z ( 12 CFR 1026.12 ( b ) ), the burden of proof is on the creditor, but the bank supplied nothing. 

For nearly a year, I did not receive any written denial notices, despite continuous follow-up attempts. A written denial was only issued after the CFPB complaint, which is outside required timelines. 

The bank repeatedly opened and closed cases without explanation, and I was given contradictory information. At XXXX point I was told the dispute was approved, but later it was reversed without justification. 

Because Citizens Bank allowed interest to continue accruing on a disputed balance and failed to resolve the matter, I was forced to make a lump-sum payment of {$7000.00} on XX/XX/year>, only to prevent severe credit damage. This payment was made under duress, and would not have occurred if the bank had handled the dispute properly. 

The banks previous response to CFPB focused only on whether letters were mailed to my address. It did not address the core issues : the lack of authorization evidence, the failure to conduct a reasonable investigation, the failure to provide written notices, the improper handling of the dispute, and the financial harm caused. 

I am submitting this new complaint because the original dispute was not properly evaluated, and Citizens Bank did not comply with federal law. I am requesting that the CFPB require a full reinvestigation and require Citizens Bank to provide authorization evidence for the disputed transactions, correct procedural violations, and address the financial harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: DE

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-05 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: MD

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00}

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 2025-12-05 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the r affected numerous individuals. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity information. Please find my details below for your reference : Full Name : XXXX XXXX XXXX XXXX Social Security XXXX Date of XXXX Current XXXX XXXX XXXX XXXX, NJ XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number o Thank you for your prompt attention to this matter. I look forward to your swift response

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 2025-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I am filing this complaint against National Credit Adjusters , LLC ( NCA ) regarding a collection account they are reporting on my credit reports that they say originated with Advance America. 

My credit reports show a collection account from National Credit Adjusters with a balance of about {$310.00}, status collection / open, with a reported opened/placed-for-collection date around XX/XX/year>. Across my reports this account appears inconsistently ( sometimes as an open account, sometimes as a collection account, with various comment codes ), and no clear payment history is shown. 

I am disputing both the validity of the debt and the accuracy/completeness of the way it is being reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g, I have the right to request validation of the debt. Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations. Under the FCRA ( 15 U.S.C. 1681s-2 ), NCA must report information accurately and must correct or delete information that is not accurate or can not be verified. 

I have disputes because : I have not been provided with adequate validation, including the original signed agreement/contract with Advance America , proof of assignment or sale of the debt to NCA, and a full breakdown of how the balance of {$310.00} was calculated. 
On my credit reports, the account is presented in different ways ( open account, collection account, mixed comment codes ) and with no detailed payment history or clear date of first delinquency. 
This inconsistent and incomplete reporting is misleading and harms my creditworthine I have told them numerous times I have came to an agreement with the creditor. 

I never gave the creditor permission to sell my account or report misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Portfolio Recovery Associates XXXX LLCAttn : Validation Department XXXX XXXX PRAs mailing address from your credit report ] Re : Request for Validation of Alleged Debt Account # [ Insert Account Number ] Amount : {$1200.00} To Whom It May Concern : I am formally requesting validation of the above-referenced debt, which you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide : 1. Proof that I am legally obligated to pay this debt 2. A complete itemization of the amount you claim is owed 3. A copy of the original contract or agreement bearing my signature 4. The name and address of the original creditor 5. Documentation showing you have the legal right to collect this debt XXXX. The date of the first delinquency with the original creditor Until you provide full validation, you must cease all collection activity, including reporting or verifying this account with any credit bureau. 
If you can not validate this debt, you are required to delete all references to it from my credit reports with XXXX XXXX XXXX XXXX 
I expect your response within the timeframe allowed by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding VyStar credit unions failure to handle a fraud attempt. 

On XX/XX/XXXX I ordered XXXX item from XXXX for {$53.00}. On XX/XX/2025 a total of XXXX unauthorized charges for {$53.00} each were made to my bank account from XXXX. I did not authorize these charges. The total amount is approximately {$1100.00}. 

My bank initially flagged XXXX of the charges as potential fraud and reversed them except for the initial charge. However, 11 days later, on XX/XX/2025, the bank re-posted the exact same XXXX charges by XXXX, causing the money to be withdrawn from my account again without any notification or authorization. A total of XXXX identical charges from XXXX. 

I contacted the bank, and they told me they could not return the money because they had already flagged it as fraud and that fraud case was closed. XXXX supposedly refunded it, however, no refund has ever posted to my account. The bank and XXXX have not provided any documentation, such as a transaction ID or posting record, showing when or where this refund allegedly occurred. 

I contacted XXXX, and they informed me that the refund had already been sent back to the bank. They have not provide proof of the return, and they stated the issue was on the banks side. 

This has resulted in XXXX and the bank each placing blame on the other while I remain without our money. 

I explicitly request that the bank comply with its obligations under Regulation E, which requires them to investigate unauthorized electronic fund transfers and provide provisional credit if the transactions are confirmed or suspected to be unauthorized. These transactions were undeniably unauthorized, and I reported them promptly. 

Despite this, my bank refuses to return my funds and continues to insist that a refund was already issued, while providing no evidence. 

I am asking the CFPB to assist in : XXXX. Requiring the bank to conduct a proper Reg E investigation XXXX. Ensuring the bank restores the full amount of unauthorized charges to my account XXXX. Preventing further unauthorized charges from being incorrectly re-posted This situation has caused me significant financial hardship and stress, and I am simply asking that the bank follow federal law and return the money that was stolen from my account. 

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Because of a fake check submitted into my account, they closed my account and seized my money for at least 30 days but up to 60 days. We are in the middle of the holiday season and these funds were from me teaching for XXXX. I would be using the money to pay mortgage and utilities. And for XXXX items. 

The bad check did not come from me but was deposited from a loan company that I thought was valid. They said they needed to verify if my checking account was valid, so I gave them the number to deposit this check. Because I have had to do this with other financial institutions. But they never asked me what happened, instead they closed the account and are holding my funds for so long. And during a season of the holidays. This is very bad customer service.

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