vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on XX/XX/year> and XX/XX/year> I contacted Citibank to see where my delinquent account was sold to. They gave me a number to call which was XXXX XXXX XXXX but XXXX XXXX XXXX told me they did not have my debt so I went and called Citi back again and asked them for the date that which my debt was sold on. They said they could not give me an answer, and the only thing they could provide was that phone number I asked to be redirected to a supervisor multiple times with multiple different people and every single one of them refused to do that one of them hung up on me.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had applied for a XXXX XXXX Chase credit card and my application was denied and the reason was that I had a prior charge-off account with them and I wasn't really aware of it since it isn't showing on my credit reports. I asked them to reconsider and I still got denied and got the same reason for denial, this was on XX/XX/XXXX. I looked into all my credit reports but found nothing about the charge-off accounts. I called Chase again and asked them for proof of the accounts that they had denied my application for, since nothing was on my credit report. I was finally connected to the Chase charge-off department and they told me I have XXXX old accounts that are charged off from XX/XX/XXXX and XX/XX/XXXX. I asked what I can do about it and when they'd fall off but they had no answers and they also told me that I can not pay for them now either. It's frustrating because I have worked so hard to fix my credit and now that my XXXX XXXX is good and my credit report is clean they still wont give me a card and I have a hard inquiry on my credit report because of this and no credit card! I also told them that I am an authorized used on a chase card that I have been using for years and making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 have observed that incorrect accounts remain listed on my credit report and have not been deleted. For this reason, I request that the documents Ive attached be carefully reviewed to ensure this matter is resolved completely, so I no longer have to be concerned about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
i am XXXX XXXX the consumer, submitting this complaint to the Consumer Financial Protection Bureau to protect my consumer rights from discrimination, violation and unethical practices which has occured. 
I have recently obtained a copy of my credit reports and noticed a charge -off reporting on My consumer reports with the XXXX major credit reporting agencies ( experian-XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ), equifax ( XXXX XXXX XXXX XXXX XXXX ), and transunion ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX  ). According to the FCRA as well as other state and federal laws and the IRS a Charge- off is a Certificate of indebtedness and therefore considered income which can NOT report to my credit report I was also violated by NOT being sent my copy of the 1099 instrument that was used to charge off the debt so that I my properly file my taxes. As well as NOT be notified of my right to Opt Out of this account reporting to my consumer report according to 15 USC 6802, and the Privacy Act of 1974. Please remove this item from my credit reports with utmost urgency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
i am XXXX XXXX the consumer, submitting this complaint to the Consumer Financial Protection Bureau to protect my consumer rights from discrimination, violation and unethical practices which has occured. 
I have recently obtained a copy of my credit reports and noticed a charge -off reporting on My consumer reports with the XXXX major credit reporting agencies ( experian-XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ), equifax ( XXXX XXXX XXXX XXXX XXXX ), and transunion ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX  ). According to the FCRA as well as other state and federal laws and the IRS a Charge- off is a Certificate of indebtedness and therefore considered income which can NOT report to my credit report I was also violated by NOT being sent my copy of the 1099 instrument that was used to charge off the debt so that I my properly file my taxes. As well as NOT be notified of my right to Opt Out of this account reporting to my consumer report according to 15 USC 6802, and the Privacy Act of 1974. Please remove this item from my credit reports with utmost urgency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple formal disputes. 

In XX/XX/XXXX, I obtained my credit report from XXXX and identified numerous inaccuracies, including : Incorrect personal information ( outdated addresses and employer entries ). 

An unauthorized inquiry from XXXX Bank XXXX ( XX/XX/XXXX ). 

Multiple inaccurate or unverifiable accounts, including collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

These errors remain on my credit file despite my disputes and the submission of all required identification and supporting documents. I prepared and submitted each dispute myself, as I have stated in every letter over the past few months. Yet the bureaus continue to claim that an unauthorized third party is involved, which is false and obstructs my ability to resolve this matter.

Under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 7 ), and 1681g, the bureaus are required to : Maintain maximum possible accuracy.

Conduct a reasonable reinvestigation. 

Provide a complete method of verification, including all procedures, contacts, and documentation relied upon. 

Provide a full consumer file disclosure. 

I have also demanded the removal of outdated or unverifiable personal identifiers ( old addresses, former employer data, and any incorrect name or SSN variations ) and the retention of only accurate information. These requests have been ignored. 

This is the second month I am attempting to resolve these issues, yet the bureaus continue to report inaccurate, incomplete, and unverifiable information in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
To : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> Re : Debt Validation Demand Alleged XXXX Balance {$100.00} File # XXXX Unlicensed Collection Activity in Illinois NOTICE OF DISPUTE & DEMAND FOR FULL VALIDATION I am in receipt of your recent collection letter regarding the above-referenced account. I dispute this alleged debt in its entirety and demand strict proof of your legal right to collect in the XXXX of Illinois. 

Your company, Credit Collection Services, is not licensed as a collection agency in Illinois, as confirmed by the Illinois Department XXXX XXXX XXXX XXXX Regulations public license lookup on XX/XX/year>. Conducting collection activity in Illinois without a valid license violates the Illinois XXXX XXXX XXXX ( XXXX ILCS XXXX ) and constitutes a deceptive practice under both state and federal law. 

Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, you must cease all collection activity until you provide complete validation of the debt. Proper validation requires more than mere account statements or payment demands. You must produce : 1. Complete chain of title from the original creditor to your company, without gaps.

2. Purchase Agreement and/or Forward Flow Agreement showing the transfer of my specific account.

3. Bill of Sale identifying my account in the transfer schedules.

4. Original signed agreement/contract allegedly creating the debt.

5. Itemized accounting of all charges, payments, interest, and fees leading to the claimed balance.

6. Proof of your license to collect debts in Illinois during the time collection activities occurred.

Failure to produce these documents will be treated as your admission that you lack proof of ownership and legal authority to collect. Any further collection activity without validation will constitute additional violations of the FDCPA, 225 ILCS 425, and the Illinois Consumer Fraud & Deceptive Business Practices Act. 

You are hereby directed to : Cease all collection activity until full validation is provided. 
Refrain from reporting, or immediately delete, any credit reporting related to this account. 
Preserve all documents and communications relating to this account for potential litigation. 

Non-compliance will result in formal complaints to the CFPB, XXXX, and the Illinois Attorney General, and immediate federal litigation seeking statutory damages, actual damages, costs, and attorneys fees. 

Sincerely, XXXX XXXX XXXX Lead Litigation Strategist XXXX, Illinois 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove immediately the fraudulent credit inquiries listed below from my TransUnion credit report. These inquiries are the result of identity theft and must be blocked under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I have already provided TransUnion with my FTC Identity Theft Report XXXX. XXXX ) and a valid Police Report as proof. Federal law requires TransUnion to block identity theftrelated information within four ( 4 ) business days of receiving such documentation, yet these inquiries remain on my file. 

Fraudulent Inquiries to Be Deleted Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations by TransUnion 15 U.S.C. 1681c-2 Failure to block identity theftrelated inquiries within the required timeframe.

15 U.S.C. 1681b ( f ) No permissible purpose for these entities to access my credit file.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to reinvestigate and delete unverifiable information. 

Harm Caused These unauthorized inquiries are harming my credit score, preventing me from obtaining financing, and affecting my ability to purchase a home for my children. I have repeatedly requested signed contracts or authorizations proving my consent, but over 60 days have passed without any documentation, confirming these inquiries are invalid. 

Conclusion : TransUnions continued reporting of these fraudulent inquiries after receiving my FTC and police reports is a willful and negligent violation of the FCRA. I request that the CFPB investigate and require TransUnion to comply with federal law by deleting these inquiries immediately.

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 2025-08-13 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: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, I am disputing the reporting of a fraudulent account and unauthorized inquiries appearing on my credit file. The account in question is XXXX XXXX with a reported balance of {$3700.00}. The unauthorized inquiries include XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX 

These items are inaccurate and unverifiable, and their continued reporting violates my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and FCRA 1681i, which mandates reinvestigation and deletion of unverifiable information. 

I demand the immediate removal of this fraudulent account and all related unauthorized inquiries from my credit report. If not removed within the statutory time frame, I reserve my right to pursue all remedies available under FCRA 616 and 617 for willful or negligent noncompliance. 

please find attached my FTC complaint, identification and most recent electricity bill

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove all previous addresses. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the XXXX XXXX Code ( U.S.C ).

According to my credit report dated [ XX/XX/XXXX ] there is a late payment entry listed for [ XXXX XXXX XXXX  XXXX Acount number XXXX on [ XX/XX/XXXX, XXXX ]. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Zions Debt Holdings
State: FL

Complaint narrative:
I am formally filing a complaint with ZIONSDEBTHOL data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX  XXXX XXXX/XXXX/2023

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 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
This complaint concerns an alleged XXXX XXXX  debt placed by Jefferson Capital Systems , LLC and assigned to XXXX XXXX XXXX for collection. The debt is being reported inaccurately and collected in violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and applicable Illinois consumer protection laws.

-- - Violations : 1. FDCPA 809 ( b ) Continuing collection activity after a documented written dispute without providing lawful validation.

2. FDCPA 807 ( 8 ) Failure to mark the account as disputed with all credit bureaus after receiving written dispute.

3. FDCPA 808 Unfair collection practices targeting a documented disabled victim with an official State Victims Compensation Letter.

4. FCRA 1681s-2 Reporting unverifiable/inaccurate information and failing to conduct a reasonable investigation after dispute.

5. Illinois Collection Agency Act Collecting without proper validation and engaging in deceptive practices after notice.

6. ADA & Illinois Crime Victims Compensation Act Failing to accommodate disability/victim status, continuing debt-related actions after notice. 




-- - Facts & Timeline : XX/XX/XXXX : Victims Compensation application filed with the Illinois Attorney General ; letter issued confirming protected status. 

XX/XX/XXXX : SSDI Benefits Award Letter issued confirming total disability. 

XX/XX/XXXX : XXXX issued new collection notice for {$1300.00} despite prior submission of victim and XXXX documentation. 

Prior to XX/XX/XXXX : Written dispute and cease-and-desist sent to both XXXX XXXX and XXXX XXXX including Victims Compensation Letter, SSDI Award Letter, and demand for validation. 

Ongoing : Account continues to be reported to credit bureaus without disputed notation ; no validation documents have been provided.

Company response to consumer: Closed with explanation