vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
Your Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Professional Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Communication Account Number : XXXX To Whom It May Concern, This letter is to formally notify you that I refuse to pay the above-referenced debt and demand that you immediately cease and desist all communication with me regarding this matter. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must comply and may only contact the consumer to confirm that further communications will cease or to notify of specific legal action. 

Effective immediately, you are instructed to stop all forms of communication, including but not limited to : Phone calls Text messages Emails Letters Contact through third parties Any further contact from your company after receipt of this noticeexcept as allowed by lawwill be documented and may constitute harassment and a violation of federal law, subjecting your organization to legal action and potential liability. 

This notice is not a refusal to comply with any lawful court order. However, unless and until such action occurs, you are to cease all collection activity and communication with me. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am disputing the following accounts and inquiries with Equifax as they appear to be inaccurate or incomplete : CHARGED OFF XXXX, XXXX, XX/XX/year>, {$560.00} INQUIRIES ( No inquiries listed for Equifax ) LATE PAYMENT XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for a Citi AAdvantage credit card after being presented with marketing and account messaging indicating that I would have immediate access to a temporary or virtual card number upon approval. I applied specifically to book airline tickets immediately. 

I was approved, and my credit was pulled. However, no temporary card number was ever provided. I did not receive an email or text with temporary card access, and I was never presented with a Get Card Number Today option during the approval process. When I logged into my account after approval, no temporary or virtual card number was available.

Citis automated chat and account interface continued to indicate that virtual or temporary card access should be available. When I contacted Citi via live chat, a representative confirmed that for my card product, the temporary card number is only available one time on the final approval page and can not be retrieved if it is not displayed or saved. This limitation was not disclosed prior to approval and was not communicated in the approval email. 

As a result, I was unable to book airfare as planned and missed a lower fare that was available at the time of application. Citi documented this information in the chat but stated that no escalation, expedited card delivery, or remediation was available through their support channels.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/year> I submitted a formal, written request for a copy of my consumer report. I submitted the request online via EWS ' secure upload site along with a copy of my Pennsylvania driver 's license. I did not receive the requested report and, moreover, have been denied access when I try to login back in to the secure online website. As of XX/XX/year> I still do not have a copy of said report, which the Fair Credit Reporting Act legally entitles me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by XXXX XXXX, XXXX. and the consumer reporting agencies Equifax, Experian, and TransUnion. 

Despite multiple disputes, my credit reports continue to contain materially inaccurate, internally contradictory, and legally unverifiable information. The same accounts are reported in mutually exclusive factual states across the bureaus, including conflicting delinquency levels, charge-off statuses, and postcharge-off payment histories. Information reported in this manner can not be accurate and must be deleted under the FCRA. 

XXXX XXXX, in particular, continues to furnish inaccurate information despite being on actual regulatory notice. The Consumer Financial Protection Bureau has previously taken enforcement action against XXXX XXXX for unlawful practices that resulted in inaccurate credit reporting. XXXX XXXX therefore can not plausibly claim mistake or clerical error. Continued furnishing of inaccurate data after notice constitutes willful and reckless noncompliance under 15 U.S.C. 1681n. 

The consumer reporting agencies have also failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i. Instead of deleting unverifiable data, the bureaus have continued to publish the same inaccurate information, sometimes with cosmetic updates, which does not satisfy statutory compliance. 

The inaccurate reporting includes, but is not limited to : Charge-off accounts simultaneously reported with ongoing delinquency Conflicting account statuses across bureaus Postcharge-off derogatory payment histories Collection accounts reported without verifiable chain of title Re-aging and misleading payment history progression This conduct has caused substantial harm, including credit score suppression, denial of credit opportunities, emotional distress, and ongoing financial injury.

I have attached my Second Notice/ Final Legal Demand documenting these violations in detail.

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 2025-12-15 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: OH

Complaint narrative:
I have made several requests for the inaccurate information on my credit report to be investigated and removed. Despite my repeated disputes and supporting documentation, the company has failed to take corrective action and continues to report false information. 

This conduct is both harmful and unlawful. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct or delete inaccurate information ( 1681i ), and furnishers of information have a duty to provide accurate information and correct errors once notified ( 1681s-2 ). By refusing to comply with these obligations, the company is in direct violation of federal law. 

As a result of their ongoing negligence, I have suffered multiple credit denials, financial hardship, and significant emotional distress. I should not have to continue experiencing these consequences due to their refusal to uphold their legal obligations. 

I am requesting immediate intervention from the CFPB to ensure that this inaccurate information is permanently removed from my credit report and that the company is held accountable for its repeated violations of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
A deposit of XXXX was deposited into my Citibank checking around XX/XX/year> by XXXX XXXX retirement plan. Prior to the deposit, I was unaware of the freezing of my account. Once the amount was deposited, I went to log into my account with Citibank account but was informed to call a phone number to clear the alert. Once I contacted Citibank, they stated that they could not use my verified phone number to verify the alert and to wait on a letter with a reference number. I have now waited beyond the 7-10 business days and Citibank is refusing to resolve the problem. The XXXX XXXX retirement plan requested for the funds to be returned, however, Citibank refuses to release the funds back to XXXX XXXX and provide any resolve.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Snap Recovery, Inc.
State: CA

Complaint narrative:
I paid {$5300.00} to XXXX XXXX for services using my XXXX  XXXX XXXX credit card. After issues arose regarding the services provided, I disputed the charge with XXXX XXXX XXXX XXXX XXXX XXXX conducted an investigation and determined the charge was not valid, and the amount was refunded to me via chargeback. 

Despite the chargeback and refund, a third-party debt collector, Snap Recovery, has attempted to collect the same {$5300.00} amount. I have informed them that the charge was reversed following the banks investigation and that the alleged debt is no longer owed. 

I requested documentation validating the alleged debt, including proof of the original obligation and an explanation of how the amount is still owed despite the completed chargeback and refund. No sufficient validation or documentation has been provided. 

I believe this is an attempt to collect a debt that is not owed. I am requesting that all collection efforts stop and that this matter be closed, as the transaction has already been resolved by my credit card issuer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
CHARGED-OFF ACCOUNTS The following charged-off accounts are inaccurately reported by Equifax. Despite showing XXXX balances, these accounts continue to negatively impact my credit without proper verification. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax has failed to demonstrate that these accounts are being reported accurately, completely, and in compliance with the Fair Credit Reporting Act.

INQUIRIES The following inquiries are being reported by Equifax without my authorization or a valid permissible purpose : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries must be removed unless Equifax can provide documentation proving permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am disputing the following accounts and inquiries with Experian as they appear to be inaccurate or incomplete : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$560.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$560.00} INQUIRIES OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: PA

Complaint narrative:
According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 
XXXX {$9100.00}

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 non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 
XXXX {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/year>, my company, XXXX XXXX XXXX, received a wire transfer into my business checking account at KeyBank from a friend, XXXX XXXX, a sender who has successfully wired funds to this same account before without any issue. The wire was for approximately {$19000.00} and represented payment for work my business is doing. Shortly after the wire posted, I initiated an ACH payment from this account to myself so I could pay subcontractors, credit card bills and other business expenses related to that job. 

Without prior notice, KeyBank then blocked my online and mobile access to this business account and effectively froze my ability to use the funds. When I called customer service on XXXX XXXX, the representatives stated there is no case noted on my account, but that the bank has decided to keep my account blocked and can do so for up to 30 days. They refused to provide any specific explanation or written notice of the reason for this block, and told me only to wait. 

As a result of this unexplained freeze, I am now defaulting on credit card bills and can not pay subcontractors and other vendors on time. This is damaging my credit, harming my business reputation, and putting my relationships with subcontractors at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX  Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-12-15 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: NV

Complaint narrative:
I am a consumer who is actively working to correct and repair my credit. I am filing this complaint regarding inaccurate and/or unverified information Experian is reporting on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure that all reported information is complete, accurate, and properly verified. 

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute due to inaccuracies in account status, balances, dates, and lack of proper verification : XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2200.00} XXXX XXXXXXXX Acct # XXXX XXXX account date XX/XX/XXXX, balance {$110.00} XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2800.00} XXXXXXXX XXXX Acct # XXXX, account date XX/XX/XXXX, balance {$2400.00} XXXX XXXXXXXX Acct # XXXX XXXX account date XX/XX/XXXX, balance {$0.00} XXXX dispute the accuracy, ownership, balances, and charge-off status of these accounts. Experian has not provided documentation showing these accounts were properly verified, including original contracts, complete payment histories, or evidence of legal ownership. 

I am requesting Experian conduct a lawful reinvestigation and delete or correct any information that can not be fully verified.

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