vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am writing to demand a review and immediate reopening of my Citi XXXX card account, which was closed despite Citis successful verification of my information. 

After I opened the Citi XXXX  card, Citi requested that I submit IRS Form XXXX for income verification and informed me that my annual fee for this year would be waived. I promptly signed and submitted the requested form. Citi processed the form and removed the block from my account, indicating that my information had been verified. 

A few days later, and without any further notice or explanation, my account was unexpectedly closed. This action is unacceptable given that I complied fully with Citis requests and was told my account was verified and the annual fee would be waived. 

I demand that Citi promptly reopen my account and confirm in writing that : My account has been reinstated with the same terms ( including the waived annual fee for this year ), and No adverse actions or negative reports to credit bureaus will result from this closure. 

If Citi does not restore my account, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau and other regulators, and pursuing legal action individually or as part of a group/class action or in small claims court to obtain appropriate relief.

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 monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
ACCOUNT XXXX XXXX I AM UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION, PLEASE PROVIDE 'CERTIFIED MAIL ' WITH RECEIPT SHOWING MY SIGNATURE. IF NOT, PLEASE DELETE THIS ACCOUNT XXXX XXXX  AS SOON AS POSSIBLE FROM MY REPORT OR I WILL HAVE TO TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
After graduating from XXXX XXXX, Aidvantage failed to provide accurate and timely information about my previous and current student loans. As a result, my credit report shows a delinquency that does not accurately reflect my payment history. 

The reported delinquency is due to overlapping grace periods and lack of clear communication from the company. I contacted Aidvantage to clarify my account status, but the reporting remains incorrect. 
I am requesting that this information be updated to reflect a positive payment history, in accordance with 15 U.S.C. 1666 ( b ) ( Fair Credit Billing Act ) and 15 U.S.C. 1681 ( n ) ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
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 2025-10-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DEPARTMENT OF JUSTIC ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX XXXX with account number XXXX which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected. 
3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction. 
o To date, no effective action has been taken to correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX my PayPal account was hacked by an unknown person and {$1000.00} was transferred to this account in three increments of {$330.00} and one transfer of {$1.00} using an unknown ( likely stolen ) debit card. These funds were used by an unknown person to purchased {$990.00} of cryptocurrency that was then transferred to an external wallet in small increments. PayPal reviewed the transactions and credited the unknown debit card {$1000.00} from my account, leaving me with a negative balance of {$990.00}. 

I have spoken with various departments at PayPal in the months since these transactions occurred seeking to resolve this situation and discovered today that they determined there was no evidence of an account takeover, that I have no opportunity to appeal this decision and that my debt of {$990.00} will be sent to collection on XX/XX/XXXX. 

Individuals I spoke with at PayPal would consistently tell me for months that they would escalate the situation and that a supervisor would contact me. No supervisor would ever contact me and no escalation would occur. I was finally told today that no supervisor was ever going to call me and no escalation or review that was promised was ever going to actually happen because their fraud department had concluded ( incorrectly ) that no takeover of my account had occurred. I am unable to dispute the fraudulent charges on my PayPal account, despite their own acknowledgment that fraud occurred. PayPal employees lied to me for months that they would resolve this issue for me with full knowledge that no resolution was possible based on their own policies, leading me to carry a negative account balance and be sent to collections for fraud that they know happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have
the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LEXISNEXIS
State: IL

Complaint narrative:
I am submitting this follow-up in response to LexisNexiss XX/XX/year> letter regarding CFPB Case # XXXX. 
LexisNexis marked my bankruptcy dispute ( Case # XXXX, ) as frivolous under Section 611 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) without providing the legally required description of how the bankruptcy information was verified.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), I have a right to receive : A description of the procedure LexisNexis used to verify the accuracy and completeness of the bankruptcy information, including The business name, address, and phone number of any furnisher of information contacted. 
I have contacted the XXXX Bankruptcy XXXX, and they confirmed that they do not furnish information to any credit reporting agencies, including LexisNexis. Therefore, if the bankruptcy court is listed as a furnisher, that reporting is false and misleading under 1681e ( b ) and 1681i ( a ). 
I am requesting that the CFPB direct LexisNexis to provide : 1. The full verification procedure, 2. The source or furnisher of the alleged bankruptcy record, and 3. Any supporting documentation used to verify the accuracy of this item. 
If LexisNexis can not provide this information or validate the record the bankruptcy should be deleted from my LexisNexis consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ID

Complaint narrative:
I am a victim of identity theft, the reporting agency refuses to remove accounts or show cause for how they claim to verified the debt.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Okay so I can not access an email and I changed my phone number so I could not access my online account so I called them to get the phone number changed and the email changed over a week ago and kept trying to get into my account could not log into PayPal called for the third time and she finally tells me that there's a problem on their end so therefore that pretty much means that I can't get my funds until they fix their problem how is that my problem and did they failed to tell me that the first time until I called really aggravated you know it's my money and I can't even access it because they never sent out my debit card they said they did but I never received it and that was like over XXXX  months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
- XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Status : Paid, Closed - * * XXXX XXXX  * * ( XXXX Entry ) - Date Opened : XX/XX/XXXX - Status : Account charged off - * * XXXX  XXXX * * ( XXXX Entry ) - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX  XXXX * * ( XXXX Entry ) - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX XXXX XXXX * * - Date Opened : XX/XX/XXXX - Status : Paid, Closed/Never late - * * XXXX XXXX XXXX * * ( multiple entries ) - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Paid, Closed/Never late - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX Entry : * * - Date Opened : XX/XX/XXXX - Status : Open/Never late - * * XXXX XXXX XXXX XXXXXXXX * * - Date Opened : XX/XX/XXXX - Status : Transferred, closed/Never late - * * XXXX  XXXX XXXX * * ( XXXX Entry ) - Date Opened : XX/XX/XXXX - Status : Paid, Closed - * * XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Status : Open/Never late

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 2025-10-29 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: WA

Complaint narrative:
I am reporting multiple fraudulent accounts that have been opened and reported under my name without my knowledge or authorization. I have never applied for, owned, or managed these accounts, which leads me to believe I may be a victim of identity theft. This situation is extremely alarming, as it falsely represents my financial history and damages my credibility as a responsible consumer. I take the security of my personal and financial information very seriously, and these unauthorized accounts are a clear violation of that trust.

Company response to consumer: Closed with non-monetary relief