vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a current Citibank XXXX XXXX cardholder. 

We are not renewing our XXXX membership so Citibank will automatically cancel this card in 90 days. I requested they change my card to a different Citibank card so that I can keep the credit line open and they denied this. The representative told me I had to apply for a new card. 

I applied for a new card and they denied me due to " too many new cards ''. The catch is the new card is the Citibank XXXX card that they are closing! I called and asked for reconsideration and they say their decision stands. 

I find it absolutely insane that they will close a card and refuse to transfer my {$15000.00} limit to another card, and then deny my application for a card. This wasted a credit pull and negatively dings my credit report.

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 2025-10-03 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: GA

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. I have discovered multiple accounts listed as collections and charge-offs that do not belong to me and/or were opened without my knowledge or authorization. These accounts are negatively impacting my credit profile and are being reported inaccurately. The accounts in question include : XXXX XXXX {$940.00} ) ( XX/XX/XXXX ) XXXX  ( {$940.00} ) ( XX/XX/XXXXXXXX XXXX XXXX ( {$94.00} ) ( XX/XX/XXXX ), XXXX- ( {$580.00} ) ( XX/XX/XXXX XXXX XXXX ( {$1800.00} ) ( XX/XX/XXXX )XXXX XXXX  ( {$0.00} ) ( XX/XX/XXXXXXXX XXXX XXXX  ( {$6500.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} ) ( XX/XX/XXXX )XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), U.S. XXXX  ED- ( {$1800.00} ) ( XX/XX/XXXX ) XXXX XXXX DEBT ED- ( {$1700.00} ) ( XX/XX/XXXX ), XXXXXXXX XXXX ED- ( {$12000.00} ) ( XX/XX/XXXX ), XXXX XXXX ED- ( {$8000.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( {$690.00} ) ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX {$4200.00} ) ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( {$4200.00} ) ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( {$3100.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- XXXX {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$520.00} XXXX ( XX/XX/XXXX ), XXXX- ( {$0.00} ) XXXX XX/XX/XXXX ). I have filed an identity theft report with the Federal Trade Commission and I am disputing these accounts directly with the credit bureaus as well. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide full validation of these accounts. If they can not provide proper proof of my responsibility, I am asking that these accounts be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

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 2025-10-02 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: TX

Complaint narrative:
I am not tied to the referenced creditors and did not authorize this inquiry. Please delete it from my file without delay.

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 2025-10-03 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-02 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit standing and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain. This failure to act is unacceptable.

The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-10-03 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am writing to formally file a complaint and dispute concerning XXXX XXXX continued reporting of a charged-off account on my credit report, despite the fact that the debt was sold to XXXX XXXX XXXX XXXX XXXX XXXX which has confirmed in writing that the debt is not owed. 

XXXX XXXX charged off the account in question and transferred it to XXXX XXXX. After investigating, XXXX XXXX provided me with a letter explicitly stating that I do not owe the debt. Nevertheless, XXXX XXXX persists in reporting the account as a charge-off with an outstanding balance to the consumer credit reporting agencies. This continued misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers must ensure the accuracy of the data they report and must correct or delete information they have a reason to believe is inaccurate. By continuing to report this debt, XXXX XXXX is engaging in misleading, unfair, and inaccurate practices. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX has violated my rights. 

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am writing to formally file a complaint and dispute concerning XXXX XXXX continued reporting of a charged-off account on my credit report, despite the fact that the debt was sold to XXXX XXXX XXXX XXXX XXXX XXXX which has confirmed in writing that the debt is not owed. 

XXXX XXXX charged off the account in question and transferred it to XXXX XXXX. After investigating, XXXX XXXX provided me with a letter explicitly stating that I do not owe the debt. Nevertheless, XXXX XXXX persists in reporting the account as a charge-off with an outstanding balance to the consumer credit reporting agencies. This continued misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers must ensure the accuracy of the data they report and must correct or delete information they have a reason to believe is inaccurate. By continuing to report this debt, XXXX XXXX is engaging in misleading, unfair, and inaccurate practices. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX has violated my rights. 

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-10-03 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: TX

Complaint narrative:
Dear Sir or XXXX of the CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX {$3100.00}, XXXX {$8100.00}XXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX {$6400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt 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 2025-10-03 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: TX

Complaint narrative:
Dear Sir or XXXX of the CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX {$3100.00}, XXXX {$8100.00}XXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX {$6400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

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 168
1n, 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 2025-10-03 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: LA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On XX/XX/year> a letter was sent to the company advising I do not have a debt, did not enter a debt with this company or ever sign a contract entering in a business relationship with this company and for them to immediately remove from my report. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Recently, upon reviewing my credit file, I found an account that does not belong to me. I am requesting a thorough investigation, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attempted to obtain validation of these alleged debts from XXXX XXXX XXXX without success. Since they have failed to provide proper velidation, I am demanding that these accounts be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
Im extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. Even after refreshing my browser, they remain. I urgently need the documents I submitted to be reviewed carefully so this problem can finally be resolved and I no longer have to worry about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX, my Cash App Card was charged {$100.00} by XXXX without my authorization. At the time of these charges, my Cash App Card was locked, and other transactions ( XXXX, XXXX XXXX ) were being declined. Despite this, the Discord charges were still processed. I immediately opened a dispute through Cash App. The dispute remains unresolved, and Cash App has not refunded the {$100.00}. They previously canceled a similar Discord charge in XX/XX/XXXX, which shows they are capable of blocking these unauthorized transactions, but failed to do so in this case. I am requesting that Cash App ( Block, Inc. ) properly investigate and refund the {$100.00} unauthorized charge ( s ), and that they ensure locked cards can not be charged in the future.

Company response to consumer: Closed with explanation