vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary : Citibank closed my dispute without providing any written notice that additional information was required. I received no communication identifying what information was needed, and the dispute was marked Resolved without a reason code or written determination. Representatives gave conflicting explanations, including too much time has passed and that Citibank did not know about the new dispute. 

Details : I disputed a charge for merchandise that was materially misrepresented by the merchant. Citibank never sent me any written request for additional information or identified what information was needed. The only indication that more information may be needed was verbal, when I called Citibank to check the status. 

When I asked what information was needed, the representative could not tell me. I was never given notice or instructions, and no opportunity to provide what Citibank required. 

I later sent supporting documentation on my own initiative, including an independent appraisal showing misrepresentation. The dispute was then marked Resolved, which I understand to mean closed, without a written determination, reason code, or explanation of what information was missing. 

When I called to request the basis for the closure, representatives provided multiple conflicting explanations, including : too much time has passed, Citibank did not know about the new dispute. 

Multiple representatives stated both that the dispute is resolved and in investigation, which are contradictory statuses. No one was able to identify a reason code or the specific information Citibank believes was needed. 

I am requesting that Citibank : Reopen the dispute and conduct a reasonable investigation, or Provide a written determination including : reason code, closure date, and the information Citibank believes was missing. 

I am willing to provide all supporting documentation.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This credit card account resulted from identity theft I did not open or authorize it I submitted disputes and documentation but the company refuses to remove the account or comply with identity theft protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I asked that the debt be verified and a copy of the original application be sent to me.. The Bureau said the debt was verified but they could not send me any information on how the debt was verified. I should also have gotten 1099C from each company because the Debt was charged off so now it is income and income should not be reported on your credit report under 15 U.S. Code 1681 ( c ) 2. Also I never did business with XXXX XXXX and I never gave anyone permission to release my information, so that is 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I asked that the debt be verified and a copy of the original application be sent to me.. The Bureau said the debt was verified but they could not send me any information on how the debt was verified. I should also have gotten 1099C from each company because the Debt was charged off so now it is income and income should not be reported on your credit report under 15 U.S. Code 1681 ( c ) 2. Also I never did business with XXXX XXXX and I never gave anyone permission to release my information, so that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems , L.P., a debt collector, is attempting to collect a debt allegedly owed to XXXX. They sent statements from XXXX as supposed proof of the debt. However, these statements do not legally validate the debt under 15 U.S.C. 1692g ( b ). 

XXXX confirmed in an official response to the CFPB that they do not currently have a reporting relationship with the credit bureaus, which contradicts Southwest Credit Systems notice claiming the debt could be reported.

The account is closed, all collection activities have ceased, and the debt is time-barred. Despite this, Southwest Credit Systems threatened that the debt may continue to appear on my credit report, which is false and misleading. 

I am requesting that the alleged debt be legally validated or that all collection and reporting cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-12-08 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 am a victim of identity theft. A personal line of credit account & student loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-08 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: MI

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-12-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NC XXXXExperianXXXX XXXX XXXX  TX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-12-08 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
RE : TD Bank Home Equity Line of Credit account : XXXX TD Bank reported a 52-day late payment on my new HELOC even though I was never told how to make payments, how much was due, or when any payment was owed. At closing, no one explained the payment process. For the first few months, the HELOC auto-paid from its own balance, which led me to believe payments were automated.

TD Bank never sent me a single statement, email, phone call, or courtesy notice indicating a payment was due or past due. My TD online portal also did not show any payment due, amount due, or even a button to make a payment. Nowhere in my TD Bank portal does it give me an option to pay this loan. I later learned, only after calling TD, that the only way to pay was to manually transfer funds from my checking into the HELOC. No one ever explained this.

I discovered the late payment only through XXXX  credit monitoring alerts, not through TD Bank. I immediately paid the balance the same day I found out. I have never missed a payment on any account before this. All payments since then have been on time. 
TD Banks dispute department responded that the information was accurate, even though I was never notified of any payment due and was never provided the required information to make a payment. TD Bank did not tell me how much to pay, did not provide statements, and did not notify me when the internal auto-debit stopped. A mailed letter arrived only after I had already paid. 
This late mark dropped my credit score by nearly XXXX points through no fault of my own. The delinquency resulted solely from TD Banks failure to properly disclose the payment method, provide billing information, or notify me that a payment was due. Because no statements, disclosures, or past-due notices were provided, TD Bank did not meet basic servicing obligations under federal consumer protection regulations. I am requesting that the late payment be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed a XXXX XXXX XXXX XXXXXXXX account on my Equifax credit report. As part of this dispute, I submitted a CFPB complaint. The CFPB forwarded my complaint to XXXX XXXX XXXX, and the furnisher officially stated that it can not respond. 

Because the furnisher refused to respond to a CFPB investigation, Equifax can not treat the account as verified. Under FCRA 611 ( a ) ( 5 ) ( A ), Equifax must delete information that can not be verified. 

I am requesting immediate deletion of the XXXXXXXX XXXX XXXX  XXXX account due to lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 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 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
am a confirmed human trafficking survivor, verified by the New York XXXX XXXX XXXX XXXX and XXXX XXXX ( OTDA # XXXX ). During my trafficking period, multiple negative accounts, charge-offs, and inaccurate items were reported on my credit file. These items were directly connected to coercion, instability, and circumstances outside my control. 
Although the company eventually corrected or removed the inaccurate information, the damage had already been done. I suffered years of financial harm, including denials for housing, auto loans, higher deposits, higher interest rates, emotional distress, and long-term credit score damage. 
On XX/XX/year>, I submitted a formal written demand for compensation for the harm caused by their inaccurate reporting, pursuant to the Fair Credit Reporting Act ( FCRA ). I have not received an adequate response to my compensation request. 
I am filing this complaint because the inaccurate reporting caused significant financial and emotional damages before it was corrected, and the company has not addressed my request for compensation. I am asking the CFPB to require the company to review and respond to my compensation demand.

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