vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Issue : Credit Reporting Failure to remove fraudulent accounts after identity theft Company : XXXX XXXX XXXX XXXX XXXX XXXX Experian, Transunion, and XXXX  Complaint : I am the victim of identity theft. Two fraudulent accounts were opened in my name with XXXX XXXX XXXX. I filed disputes with the credit bureaus, filed a police report, and submitted a complaint to XXXX XXXX directly. Despite this, the accounts remain on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, once a consumer provides an identity theft report ( police report + FTC Identity Theft Report ), the credit bureaus are legally required to block fraudulent accounts from appearing within 4 business days. 

I have provided all required documentation, but the credit bureaus and XXXX XXXX XXXX  have failed to comply. They continue to report these fraudulent accounts as valid. 

This ongoing reporting is damaging my credit, preventing me from obtaining fair access to credit and financial opportunities.

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 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this follow-up complaint related to case # XXXX and # XXXX Citibank N.A. provided unclear and misleading information regarding a third-party deposit of {$2200.00} ( check # XXXX issued by XXXX XXXX XXXX XXXX XX/XX/year>, payable to me ). 

In its letter, Citibank stated : Regarding the third-party deposit in the amount of {$2200.00}, you would need to step into the branch with the third party and their valid identification ( ID ) to get those funds. 

This statement did not actually mean that the check was not cashed or that Citibank never received the funds. Instead, it indicated that Citibank was holding the funds pending in-person verification because the deposit was made by a third party ( my spouse ). However, since there are no Citibank branches in the XXXX area, it was impossible for us to comply with this instruction and retrieve the money.

Because I misunderstood Citibanks statement to mean that the check had never been processed, I later redeposited the same check through XXXX XXXX XXXX, which led to a duplicate deposit and subsequent reversal. Citibanks unclear communication and its failure to provide an alternative solution for customers without local branches directly caused this error and financial harm.

I respectfully request that the CFPB require Citibank N.A. to : 1 Return or release the {$2200.00} third-party deposit ( either to me or back to the issuing bank, XXXXXXXX XXXX XXXX  XXXX and 2 Establish a clear and accessible procedure for customers in areas without Citibank branches to verify or recover held funds.

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 2025-10-24 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: TX

Complaint narrative:
Requested Action : 1. Remove or permanently block all accounts, inquiries, and negative information that were created or reported without my explicit authorization. 2. Provide written confirmation once the deletions or corrections are completed. 3. Supply a copy of my updated credit report reflecting the resolved items. Please treat this as a formal FCRA dispute and identity theft claim related to the TransUnion data breach. Failure to address this promptly will result in escalation to the Federal Trade Commission and potential legal counsel under FCRA 616. Thank you for your immediate attention to this matter. Sincerely, 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 2025-10-24 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: NY

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) ( 1 ) ( A ), and Regulation V, as well as relevant Metro 2 standards. Please investigate and correct or delete the following inaccurate or unverifiable information : XXXX. XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issues : Payment history shows irregularities ; status shows as current with inconsistent balance and credit limit fields.

Violations : Metro 2 non-compliance ; FCRA 607 ( b ) ; contradictory data fields ; possible failure to update. Equifax Breach Impact : D
ue to Equifaxs XXXX breach compromising personal data, heightened scrutiny is necessary. 
XXXX. Unverified Inquiries Not Linked to Active Accounts 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 XXXXXX/XX/XXXX These inquiries are not associated with any active or positive tradeline and must be removed under FCRA 605 ( a ) and 611 ( a ). 
Due to the Equifax data breach in XXXX, which exposed my personal data, your agency has heightened responsibility to ensure accuracy and integrity. Any unverifiable data must be deleted under 611 ( a ) ( 5 ).

Failure to act within 30 days will result in formal complaints and possible legal action under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has not obtained the information to prove this is my bankruptcy like they said they have done. XXXX XXXX Bankruptcy Court sent me a letter stating they do not provide information to any credit bureaus. XXXX XXXX has sent me a copy of my current consumer report clearly showing I do not have a bankruptcy on my credit file in their office. The FCRA state that credit bureaus have an obligation to ensure accuracy, this is not accurate this is false information that is hurting my credit. I have sent and uploaded proof of these lies, that the credit bureau is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I am submitting this formal dispute regarding inaccurate personal identifying information that is currently being reported on my consumer credit files maintained by your agency. Specifically, I have never used, authorized, or been associated with the listed aliases, nor have I ever resided at the reported addresses in question.

The inclusion of these false or unverified names and addresses constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

The continued reporting of these erroneous identifiers exposes me to identity confusion, potential fraud risk, and reputational harm, thereby negatively impacting my ability to obtain credit, housing, and employment under fair and accurate conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: NM

Complaint narrative:
Be advised XXXX  is still using XXXX XXXX XXXXXXXX XXXX and is still misusing and depriving me of my rights and XXXX had yet to enforce and fines or remedy for XXXX XXXX XXXX XXXX me. 
US bank just denied me extension of my own credit due to Transunion unathorized use. See 18 USC 8, also 12 USC 411, UCC 3-603, UCC 1-308 , Public law 73-10/HJR 192. 

Hardpull done with no extension of credit deceptive misleading practice, Non XXXX XXXX One at the age of majority and of a sound mind. 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 2025-10-24 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: OH

Complaint narrative:
On my ChexSystems consumer report, which was prepared on XX/XX/XXXX, there is a negative item reported by XXXX Bank. 


This disputed item includes the following details : Reason Reported : " ACCOUNT ABUSE '' Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$240.00} Closure Status : " UNPAID '' I dispute the accuracy, completeness, and validity of this entire entry. This reported information is unverified and is causing me significant financial harm, specifically by preventing me from opening necessary bank accounts. I have initiated a formal dispute with XXXX  to have this inaccurate information reinvestigated and permanently removed from my file, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Right to dispute incomplete or inaccurate information ).

This entry appears to be in violation of multiple federal laws and industry standards : FCRA 1681e ( b ) ( Compliance Procedures ) : As a consumer reporting agency, ChexSystems is required to " follow reasonable procedures to assure maximum possible accuracy '' of the information it reports. The presence of this unverified item indicates a potential failure of these procedures.

FCRA 1681s-2 ( b ) ( Duties of Furnishers ) : Upon receiving notice of this dispute, the furnisher ( XXXXXXXX XXXX XXXX has a legal duty to conduct a reasonable investigation. If the information is found to be inaccurate, incomplete, or can not be verified, the furnisher must promptly notify XXXX  to delete or modify the item. 

XXXX XXXX Compliance : All data furnishers must report information using the strict, standardized XXXX XXXX format. Any failure to comply with these guidelinessuch as reporting an incorrect status, amount, or daterenders the information non-compliant and thus inaccurate under the FCRA. 

Fair Debt Collection Practices Act ( FDCPA ) 1692e : The reporting of false, deceptive, or misleading information to a consumer reporting agency in an attempt to collect a debt can be a violation of the FDCPA, specifically the prohibition against " false, deceptive, or misleading representation. '' I demand a full reinvestigation of this item, verifying its complete accuracy and compliance with all applicable laws. Given that it is unverified, it must be immediately and permanently deleted.

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 2025-10-24 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: OH

Complaint narrative:
On my ChexSystems consumer report, which was prepared on XX/XX/XXXX, there is a negative item reported by XXXX Bank. 


This disputed item includes the following details : Reason Reported : " ACCOUNT ABUSE '' Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$240.00} Closure Status : " UNPAID '' I dispute the accuracy, completeness, and validity of this entire entry. This reported information is unverified and is causing me significant financial harm, specifically by preventing me from opening necessary bank accounts. I have initiated a formal dispute with XXXX  to have this inaccurate information reinvestigated and permanently removed from my file, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Right to dispute incomplete or inaccurate information ).

This entry appears to be in violation of multiple federal laws and industry standards : FCRA 1681e ( b ) ( Compliance Procedures ) : As a consumer reporting agency, ChexSystems is required to " follow reasonable procedures to assure maximum possible accuracy '' of the information it reports. The presence of this unverified item indicates a potential failure of these procedures.

FCRA 1681s-2 ( b ) ( Duties of Furnishers ) : Upon receiving notice of this dispute, the furnisher ( XXXXXXXX XXXX XXXX has a legal duty to conduct a reasonable investigation. If the information is found to be inaccurate, incomplete, or can not be verified, the furnisher must promptly notify XXXX  to delete or modify the item. 

XXXX XXXX Compliance : All data furnishers must report information using the strict, standardized XXXX XXXX format. Any failure to comply with these guidelinessuch as reporting an incorrect status, amount, or daterenders the information non-compliant and thus inaccurate under the FCRA. 

Fair Debt Collection Practices Act ( FDCPA ) 1692e : The reporting of false, deceptive, or misleading information to a consumer reporting agency in an attempt to collect a debt can be a violation of the FDCPA, specifically the prohibition against " false, deceptive, or misleading representation. '' I demand a full reinvestigation of this item, verifying its complete accuracy and compliance with all applicable laws. Given that it is unverified, it must be immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint mortgage keeps ending me same mortgage documents that are bot accurate and the company they are referring me has information in regards of mortgage servicing company

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I booked a XXXX XXXX XXXX XXXX XXXXXXXX ) sailing using my American Express XXXX XXXX. Due to misleading advertising with the published rate, Amex agree to provide an additional {$200.00} onboard credit as a goodwill gesture. Amex confirmed in writing the approval of the credit on XX/XX/XXXX and stated it would post within XXXX hours. Despite multiple follow-ups on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, the credit was never applied. As of today, XX/XX/XXXX, the matter still remains unresolved. 

Additionally, I also requested a XXXX XXXX XXXX adjustment due to a price drop, which was ignored. 

Amex has repeatedly confirmed the credit but failed to deliver it. Communication has been inconsistent, with conflicting information from different agents and no accountability for resolving the issue. It feels misleading to market a benefit that isnt honored or supported by competent follow-up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I purchased a vehicle from Americas Car-Mart in XXXX, Arkansas and was told it was in good condition. Soon after purchase, the car suffered major mechanical failures ( blown head gasket, oil leak, sensor issue ). The vehicle paperwork was not updated at time of sale nor was the vehicle properly serviced before sale, as stated by the General Manager of the Dealership. 

When I reported these problems, staff later admitted the vehicle should not have been sold. However, the corporate office provided false statements to the Arkansas Attorney General claiming I was aware of the defects at the time of sale. This is untrue and contradicts their own records. As information was not updated & /or falsified. 

After being told that the vehicle was safe to drive and no longer had any mechanical failures i was told that I was able to operate the vehicle. The dealership persistently told me that my vehicle was fixed and did not have mechanical issues. 

These actions constitute misrepresentation and deceptive lending practices under Arkansas Code 4-88-107 and UCC 2-314. 

I am requesting full contract rescission, removal of the account from my credit reports, and a refund of payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SC

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 ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dis
semination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: O'Currance, Inc.
State: AL

Complaint narrative:
Woman called me and stated that they were fixing to start litigation proceedings on me have me arrested and put in XXXX. She was coming to my house to get money for a loan from XXXX  that she stated I took out. Thats almost 10 years ago. I told her that she can not sue me and I can not go jail for that because the statute of limitations in Alabama is XXXX years. She kept on threatening me with jail time lawsuits and everything else. I called her some XXXX  names. She did turned around and called me left a message that I have and said that she was going to come to my house in XXXX and she was pretty much gon na XXXX XXXX XXXX

Company response to consumer: Untimely response