vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I added a promotional offer I got in the mail to my account on XX/XX/year>. It was for 0 % APR for XXXX months. I activated it believing that when I did so the promotion started. I was charged XXXX in interest during the time frame it was activated. I called customer support and they were unable to help They said the activation deal for XXXX months, even though it arrived in XXXX, was only good through 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing in response regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of the alleged debt.

It also states that until this information is provided, all collection activity and credit reporting must stop. If the collector can not verify the debt, the letter demands that the negative item be removed from the consumers credit report.

Please provide the following : 1. The amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A complete itemization showing how the debt amount was calculated ; 4. A copy of the original contract or agreement bearing my signature ; 5. Proof that your agency is legally authorized to collect debts in my state.

This is a dispute of the debt. Until you provide proper documentation verifying its validity, you must cease all collection activity and reporting to credit bureaus regarding this matter.

Please communicate only in writing and do not contact me by phone.

Thank you for your attention to this matter.

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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 


NEGATIVE ACCOUNTS : CLOSED : XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$1200.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XXXX  XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XX/XX/XXXX Equifax

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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX XXXX involved. Please review the uploaded letters.

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: 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and identified multiple accounts being reported with inaccurate, inconsistent, and unverifiable information across TransUnion, Experian, and Equifax. These accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and multiple accounts from XXXX XXXX Specific inconsistencies include mismatched dates of last activity, conflicting high credit and credit limit amounts, re-aged accounts, and incomplete payment histories. 

On XX/XX/year>, I submitted a formal written dispute to TransUnion requesting a full reinvestigation under FCRA 1681i, and cited multiple violations of FCRA 1681e ( b ) and 1681s-2. I specifically requested : The original signed contract or agreement Consecutive billing statements or itemized account history Proof of account ownership and balance validation A clear explanation for the inconsistencies between bureaus I also requested correction of my personal information, including my current address, which remains incorrect despite repeated notifications. 

TransUnion did not provide any of the requested documentation or address the specific inaccuracies. Instead, they responded by merely marking the accounts as " verified '' without proof, which does not satisfy the requirements of a lawful reinvestigation under federal law. 

As a result, I filed this complaint and have also submitted a report to the FTC. I am requesting that all unverifiable and inconsistent accounts be removed from my credit report, and that TransUnion be held accountable for their noncompliance with the Fair Credit Reporting Act.

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: TX

Complaint narrative:
I reviewed my credit report and identified multiple accounts being reported with inaccurate, inconsistent, and unverifiable information across TransUnion, Experian, and Equifax. These accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and multiple accounts from XXXX XXXX Specific inconsistencies include mismatched dates of last activity, conflicting high credit and credit limit amounts, re-aged accounts, and incomplete payment histories. 

On XX/XX/year>, I submitted a formal written dispute to TransUnion requesting a full reinvestigation under FCRA 1681i, and cited multiple violations of FCRA 1681e ( b ) and 1681s-2. I specifically requested : The original signed contract or agreement Consecutive billing statements or itemized account history Proof of account ownership and balance validation A clear explanation for the inconsistencies between bureaus I also requested correction of my personal information, including my current address, which remains incorrect despite repeated notifications. 

TransUnion did not provide any of the requested documentation or address the specific inaccuracies. Instead, they responded by merely marking the accounts as " verified '' without proof, which does not satisfy the requirements of a lawful reinvestigation under federal law. 

As a result, I filed this complaint and have also submitted a report to the FTC. I am requesting that all unverifiable and inconsistent accounts be removed from my credit report, and that TransUnion be held accountable for their noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have {$7800.00} in this savings account., Today XX/XX/XXXX I received this email : Citi XXXX XXXX Unsubscribe XXXX ( XXXX XXXX  ago ) to me We've closed your account You have a new e-communication. 
ACTION REQUIRED Citi logo Lock Icon XXXX XXXX XXXX since XXXX Account ending in XXXX You have a new message Hi, XXXX. You have a new e-communication regarding your Citi XXXX XXXX account in your Statements and Documents. Some communications may contain important information about your account or require immediate action, so please read it right away.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding their continued reporting of a collection account that they claim was purchased from XXXX XXXX XXXX XXXX XXXX  ), account ending in XXXX. 

On XX/XX/year>2025, XXXX sent me a written letter confirming that they had instructed all three major credit bureaus to delete the trade line and no longer considered the account valid. I am attaching that letter for review. 

Despite this, Jefferson Capital continues to report a {$1200.00} balance as an open collection on my credit reports. They are also reporting " 1-month terms, '' " past due '' status, and payment history, which is both misleading and inaccurate. They are a debt buyer, not a lender, and are mischaracterizing the nature of this account under the Fair Credit Reporting Act ( FCRA ). 

I mailed XXXX XXXX a formal debt validation request by certified mail, which they received on XX/XX/year>2025 ( proof available ). They never responded with validation or documentation. As of today, they continue to report this item without resolving the dispute, failing to correct or delete the account, despite having no verified ownership rights or legal justification to do so. 

This account should be removed from my credit reports immediately. I am also requesting that Jefferson Capital be investigated for violating both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report unvalidated and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I made inquiry about payment optios after expiriancing yet another hurricane season flood disaster. I requested an extention or refinance to adjust payments schedules. Which was granted and payment was fulfilled. I then followed-up to request additional time, payment arrangement, because of my disaster situation, recovery efforts were still awaiting some verification and results for me to move forward in the regular fashion, I even requested a pay off amount and considered a requst to refinance the vehicle. After a few more follow up calls management approved another payment arrangement and I was informed that any remaining payments would be added on to the end of the loan. I set up an automatic payment schedule and made the first payment of {$290.00} and set another payment for the last week of XXXX. On XX/XX/year> at approximately XXXX am I intended to go out to retrieve my research project documents and find my vehicle hooked up and in the street being towed, without proper procedure, notification or communication prior to the towe hook up. Therefore, I requested a written explanation of why there would be a vehicle reposses order during a payment arrangement and notifications of recovery assistan after a state of emergency? I also requested documentation showing a default after the payment agreement? They have refused to clarify the situation and stated that the arrangement had been canceled in the system? To this date, XX/XX/XXXX, I have had no results or have I been offered any solutions.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts or collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts orcollections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 


What would be a

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: CA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX  credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts or collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts orcollections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 


What would be a

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX  credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts or collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts orcollections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 


What would be a

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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting on a student loan account currently serviced by XXXX XXXX XXXX ( XXXX ) and reflected in my credit reports. 

XXXX is reporting a XXXX  day delinquency for XX/XX/year>. However, XXXX did not begin servicing my loan until XX/XX/year>, as confirmed in the official loan transfer email I received directly from XXXX ( attached ). 

My first official payment due to XXXX was not until XX/XX/year>, and that payment was made on time. 

Despite this, XXXX is reporting a delinquency for a period they did not manage my loan, which is a violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ). 

While the loans origination date remains from XXXX, the servicer is not permitted to report late payments that occurred prior to their legal assignment of the account, unless they can verify and furnish billing data which they can not in this case. 

I previously disputed this with XXXX and submitted the same transfer documentation. The bureau did not remove the inaccurate information. 

I am requesting that the CFPB assist in having XXXX remove the XXXX late mark from my record, as it is inaccurately attributed, unverifiable, and damaging to my credit history. I have included all relevant documentation. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation