vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: PR

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX 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 2025-11-23 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: PR

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX 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 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Complaint Against : Arvest Mortgage Issue : Incorrect credit reporting during approved forbearance and reinstatement plan Arvest Mortgage placed me in an approved forbearance program from XX/XX/XXXX through XX/XX/XXXX due to verified job loss for both myself and my husband. I complied fully with all requirements of this program and maintained ongoing communication with the servicer. 

When the forbearance period ended, Arvest placed me into an approved reinstatement/loss-mitigation plan beginning XX/XX/XXXX, under which I was instructed to make specific minimum monthly payments. I followed the plan exactly as directed. 

Despite this, Arvest incorrectly reported my account as XXXX days delinquent for XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Payments made under a loss-mitigation plan should be reported according to the terms of that plan, not as late payments under the original mortgage terms. I was compliant the entire time and made all required payments per the reinstatement agreement. 

Once I returned to work, I contacted Arvest immediately to resume full payments, and I have been fully current since XX/XX/XXXX. 

These inaccurate delinquency reports have severely damaged my credit and are preventing me from qualifying for a home equity loan that my family needs to consolidate debt accumulated during the hardship period. I am respectfully requesting that Arvest correct these erroneous credit reporting entries and update all bureaus accordingly. 

I ask that the CFPB assist in ensuring a full investigation and accurate reporting based on the facts of my participation in the forbearance and reinstatement plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Deletion of Inaccurately Reported XXXX XXXX XXXX Secured LOC Account Message : I am filing this complaint because a XXXX XXXX XXXX Secured Line of Credit account was added to my credit report even though I did not intentionally open or authorize this product. According to my credit report, the account shows a {$10.00} balance and is marked {$10.00} past due, which is inaccurate and damaging. I never knowingly enrolled in any Credit Builder or Secured LOC program, nor did I authorize XXXX XXXX or XXXX XXXX  to report this tradeline. 

This is an instance of inaccurate and unauthorized reporting under the Fair Credit Reporting Act ( FCRA ). The account was created unintentionally through unclear platform prompts, never used as a credit product, and should not be reporting a past-due status. 

I respectfully request that the CFPB require XXXX XXXX ( XXXX XXXX  ) to delete this account entirely from Experian, XXXX XXXX XXXX, as it does not reflect my actual credit activity or intent and is causing measurable harm to my credit profile. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
They repossessed my vehicle without first providing me with the required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 

The failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-11-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the 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 2025-11-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you have XXXX XXXX XXXX reporting on my consumer report it has the wrong amount, and states past due please reinvestigate this account and show proof in writing that the amount you verified many times is correct because it is not debt buyers buy pennies on a dollar a pool of account and do not pay full price FCRA states it ALL has to be ACCURATE, COMPLETE AND NOT MISS LEADING Please respond through the CFPB incase I need to take legal action

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
XXXX XXXX XXXX, a customer of XXXX XXXX XXXX XXXX XXXX XXXX, requested the cancellation of her vehicle service contract. This request was processed, and a check, number XXXX, in the amount of {$1700.00} was issued to her. 

The aforementioned check was deposited into a joint US Bank Checking Account ( # XXXX ), held by both XXXX XXXX XXXX and XXXX XXXX. Subsequently, the account was frozen. 

The account was ultimately closed due to " unusual activity, '' and after a period of thirty ( 30 ) days, a check was issued for the account 's prior balance. 

US Bank has stated that the check issued to XXXX XXXX was returned to them. However, XXXX XXXX visited the dealership on two separate occasions and was informed on both visits that the check had been cashed and was never returned to the bank. 

XXXX XXXX and XXXX XXXX formally request assistance in determining the current holder of the funds from the aforementioned check and ensuring the promised funds are returned to them. 

Attached to this complaint are a photograph of the check and the US Bank statements provided to XXXX XXXX and XXXX XXXX subsequent to the account closure.

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 2025-11-23 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: NY

Complaint narrative:
Chime refuses to take off a closed account from my credit reports abd shows the credit card as active and a line of credit when in reality I have no access to that line of credit and the " credit builder '' account is closed. When the account was open it actually hurt my credit severely that is why I closed it. The company falsely advertises it as an account that will improve your credit score but it did the opposite

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
XXXX  refuses to take off a closed account from my credit reports abd shows the credit card as active and a line of credit when in reality I have no access to that line of credit and the " credit builder '' account is closed. When the account was open it actually hurt my credit severely that is why I closed it. The company falsely advertises it as an account that will improve your credit score but it did the opposite

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 2025-11-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a pair of XXXX XXXX XXXX from XXXX at a total cost of XXXX. I never received the merchandise and both XXXX and XXXX refuse to issue a refund. I no anyone in my household received or signed for the goods which were shipped via 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 2025-11-23 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Certificate of Deposit ( CD ) with Citibank matured on XX/XX/XXXX. Prior to maturity, Citibank emailed me asking whether I wanted to renew or withdraw the funds. I attempted to withdraw the funds three times, but each attempt resulted in a system error. I called Citibanks customer service on XX/XX/XXXX and XX/XX/XXXX, and also called the local branch on XX/XX/XXXX, but no one was able to resolve the issue. I was repeatedly told that Citibank can not fix technical issues. 

Despite never giving consent, authorization, confirmation, or an electronic signature, Citibank unilaterally renewed my CD at a lower interest rate. I received no confirmation email, which I always receive when I authorize a CD renewal. An email link Citibank sent me to manage my options redirected to a generic CD purchase page not connected to my account, indicating a system malfunction. 

On XX/XX/XXXX, Citibanks Executive Response Team informed me that an internal investigation ( which I am not allowed to see ) found no technical issues and that the renewal would not be reversed unless I paid a {$820.00} penalty to access my own funds. They also stated that my first contact was allegedly on XXXX, which is incorrect, despite my earlier calls. Branch calls are not recorded, so those attempts are being disregarded entirely. 

I have been denied escalation, denied access to the investigation, and told there is nothing they can do. I am requesting CFPB assistance to : Reverse the unauthorized renewal, Waive the penalty, Allow me to withdraw my funds immediately, and Review Citibanks handling of system errors, recordkeeping, and customer escalation. 

I can provide emails, screenshots, and call logs to support my complaint.

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