vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Equifax is currently reporting two charge-off accounts on my credit file that I dispute as inaccurate, unverifiable, and damaging. These accounts are : XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$600.00} ; and XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, with a reported balance of {$1600.00}. 

I am challenging the validity of these tradelines on the basis that I have not received any original documentation verifying the legal accuracy, ownership, or enforceability of the debts being reported. Equifax has not provided any signed agreements, full account histories, or evidence of the charge-off process as required under federal law. Without this supporting documentation, there is no justification for continuing to publish these derogatory entriesespecially given their negative impact on my credit standing, lending eligibility, and overall financial reputation.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to maintain procedures that ensure the maximum possible accuracy of all information contained in consumer files. Furthermore, when a consumer disputes information, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a timely and reasonable reinvestigation. If the information can not be verifiedeither due to missing records, incorrect data, or failure to obtain confirmation from the original furnisherit must be corrected or deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

These charge-offs are not only damaging but legally questionable in their current form. I have made good-faith efforts to understand the origins of these debts, yet Equifax has failed to deliver sufficient evidence demonstrating that these accounts are valid, accurate, and reportable under the FCRA. The presence of unverified negative items, especially charge-offs with substantial balances, reflects a serious breakdown in Equifaxs compliance and reporting protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a personal checking account with Citibank on XX/XX/year>. I made a deposit via cashier 's check under my name totaling {$2200.00} on XX/XX/year>. On XXXX, XX/XX/XXXX, at approximately XXXX XXXX  XXXX, I attempted to make a purchase with my debit card, but the transaction was declined. On XXXX, XX/XX/XXXX, around XXXX XXXX, I attempted another purchase and was again declined. 

I called Citibank at XXXX XXXX  that evening and was told there was a fraud alert blocking my debit card. I was informed the fraud department was closed and advised to call back on Sunday. When I called on Sunday, I was told I had contacted the wrong fraud department and that I needed to call a separate group only available XXXX  through XXXX. 

On XXXX, XX/XX/XXXX, at XXXX XXXX, I spoke with a representative who informed me that the block was due to a system-generated fraud alert. I was told it would take XXXX hours to be reviewed. 

I have called back each dayXXXX and XXXX  includedand every time I am told the case is still under review. As of XXXX  evening, this marks the third full day without access to my debit card, despite Citibank 's stated timeframe of XXXX hours. I have now been told to call again on Thursday, the fourth day since the issue began. 

Throughout these interactions, I have repeatedly asked what transaction triggered the fraud alert, or why my account is under review, and not XXXX representative has been able to provide an answer. Ive been told they are not allowed to disclose any information until the investigation is complete, even though my access to essential banking services has been restricted. 

To make matters more frustrating, I was told that while I can go to a branch teller to withdraw funds in person, I still can not use my debit card to make online payments or pay bills, which is how I typically manage all of my finances. This restriction makes it nearly impossible to manage my day-to-day expenses and obligations. 

I am submitting this complaint to the XXXX because I have exhausted all internal customer service channels at Citibank and am left without access to my funds, without answers, and without a resolution. This has caused unnecessary stress and hardship and I am seeking immediate intervention to resolve this matter.

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 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I took out a loan in the amount of {$800.00} once I paid the {$800.00} in on- time payments, I am now being told I owe {$1700.00}. I do not agree with this. XXXX XXXX has reported on my credit that I owe the {$1700.00} and it is giving me a negative reporting please assist me on resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
Purchased a vehicle XX/XX/XXXX Friday, on XXXX/XXXX/XXXX it rained and the inside of the vehicle was soaked, I returned the vehicle on XX/XX/XXXX and received a loaner vehicle while the vehicle was being serviced. On XX/XX/XXXX the vehicle was not fixed and they couldnt find the problem they wanted to send car off for further inspection. I requested a refund per AutoNations 5-day, 250-mile Money-Back Guarantee for used vehicles. This policy allows customers to return their used vehicle within five business days of purchase or after driving it 250 miles, whichever comes first, and receive a full refund. I received my down payment back but XXXX  XXXX is still billing me full financing amount until they are contacted by Auto nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I do not know where this hard inquiry came from and I would like it took off my credit as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Urgent Complaint : Unlawful Withholding of Funds by Citibank To Whom It May Concern, My name is XXXX XXXX, and I am filing this complaint due to an ongoing and unresolved issue with Citibank, which has caused me significant financial and emotional hardship. 

Nearly 30 days ago, Citibank placed a fraud alert on my account due to what they described as too many transactions. As a result, my account was frozen without notice, and I have been completely unable to access my funds ever since. 

I was told I would receive a verification letter by mail. I explained to Citibank that my mailing situation is not secure or stable, and that I urgently needed an alternate verification method. Despite this, I was told the bank could not help me until I receive and respond to the lettersomething I still have not received after almost a month. I was later told a second letter was sent, but I have seen no evidence of that. 

This situation has directly resulted in : Inability to buy food or basic necessities Unpaid bills XXXX insecurity and emotional distress I have made multiple calls to XXXX fraud department requesting help and explaining the urgency of my situation, but no one has taken appropriate action to resolve this. I have also filed complaints with other regulatory agencies, but the bank continues to delay without offering a real solution. 

I am requesting that Citibank : Immediately unlock my funds or offer a secure alternate method of identity verification ( e.g., in-branch verification, phone or email-based verification ) Provide a full explanation for the prolonged delay Provide restitution for the financial harm caused by their inaction I believe this may constitute unlawful withholding of consumer funds and possibly violate federal consumer protection laws. 

Thank you for your time and immediate attention to this urgent 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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX XXXX XXXX ( XXXX ) related to alleged carpet replacement charges from a former apartment in XXXX XXXX, CA. I emailed XXXX multiple times with short requests until I emailed a formal comprehensive written dispute on XX/XX/year>, and sent a follow-up letter via XXXX on XX/XX/year>. 

Despite these efforts, I have received no response. I sent a final notice via email on XX/XX/year>, and made clear that I was disputing the validity of the debt and requested specific documentation to verify the charges. 

The debt involves a {$980.00} prorated carpet replacement fee, which I believe is invalid due to : - California XXXX XXXX XXXX, which prohibits deductions for normal wear and tear. 
- The unit had old carpet at move-in, and I was originally promised a unit without carpet. 
- No depreciation calculation or damage documentation has been provided. 

XXXX has not responded to multiple written disputes, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
When I log in, there is a notice the account is suspended and for me to check email, but I never received an email and there is no option to receive another email. There is no explanation why account is suspended. 

Website and app won't allow me to access my account balance of {$170.00}, so they are stealing my money at this time if I can't access it or get support to access it. 

I tried calling support but it's impossible to reach a person as the entire phone menu system is strictly AI. I tried using online chat, but it won't allow me to speak to an agent, only AI which is not able to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-12 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX/XXXX/2025 XXXX XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and possibly fraudulent information that I did not authorize or recognize. Some of the inquiries, or personal data appearing on my report do not belong to me, and I believe they may be the result of identity theft or misreporting by data furnishers. These inaccuracies are negatively impacting my credit score and causing undue harm to my financial well-being. Please see the fraudulent items below that need to be remove :. 
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

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I ordered a XXXX pair of shoes from a company on XX/XX/XXXX they said it would take XX/XX/year> days for me to receive them. When I pull up the tracking number nothing shows. I have asked them what was going on and have been giving the run around. So I had asked for a refund for the products and shipping and they are refusing to even respond. 
I used my cashapp to make the purchases it was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-06-12 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-06-12 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: LJ Ross Associates
State: CA

Complaint narrative:
I am filing a complaint against L J ROSS ASSOCIATES IN for failing to properly investigate, verify, and correct inaccurate information on my credit report. Despite submitting a detailed written dispute and requesting the Method of Verification, L J ROSS ASSOCIATES IN has continued reporting multiple unverifiable and factually incorrect accounts. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I have requested verification of this alleged delinquency and any documentation validating its accuracy. L J ROSS ASSOCIATES IN has not provided evidence and I believe this reporting is incorrect and damaging.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
i have money on my cash app which cash app doesnt allow me to withdrawal and i also have a pending payment which cash app has not release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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