vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the fraudulent accounts that are currently being reported under my credit profile. I want to state without any ambiguity that I have no connection to these accounts and did not authorize, initiate, or benefit from them in any way. Their inclusion on my report is entirely false, damaging, and misleading. The presence of these unauthorized accounts undermines the integrity of my financial record and portrays me in an inaccurate light. This is a direct misrepresentation of my financial responsibility and has unfairly harmed my creditworthiness, exposing me to potential denials, higher interest rates, and unnecessary financial setbacks.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My wife scheduled a payment on XXXX of our Citibank XXXX XXXX. It was for a little less than {$400.00}. More than the minimum payment. The company withdrew our entire balance of over {$8600.00}. We called immediately and we're told to contact our bank to deny the payment. Citibank said they would not resubmit the payment if it was canceled. We asked about the original payment amount being made and they said we would be able to call back after it was reversed and make a payment for the correct amount. We reverse the payment with XXXX our primary bank, and called Citi. They claim they're system would not allow them to make a payment for us, but to call back in a few days when the balance shows back up. On the day that we were supposed to call back in they reprocessed the {$8600.00}. We went through the process again, again being told we could not make a payment by phone for the original amount. Their system also would not allow us to make the payment. 2 days later, they processed the {$8600.00} again. My account with them now shows several reverse transaction fees. I've still not been able to make the correct payment. I don't know if we were lied to or they just don't know how their system works. I followed all of their instructions and I'm still at a loss.

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 2025-09-25 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:
I have no association with these accounts ; remove them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
To Whom It May Concern, I am filing this formal Master Complaint concerning the inaccurate, misleading, and unlawful reporting of the XXXX  account # XXXX. The way this account is being reported constitutes serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Irregularities Identified Contradictory Account Status XXXX  : Account reported as Closed. 

Experian : Account reported as XXXX. 

XXXX  : Account reported as XXXX. 

A tradeline can not simultaneously be open and closed. This violates FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ). 

Inconsistent Dates of XXXX XXXX : Last activity reported as XX/XX/XXXX. 

Experian : Last activity reported as XX/XX/XXXX. 

XXXX  : Last activity reported as XX/XX/XXXX. 

These discrepancies show no proper verification or reinvestigation as required by FCRA 1681i ( a ). 

Failure to Mark Account Correctly During Dispute Consumer disputes were filed, yet the bureaus and XXXX continued to report the account as derogatory/negative without proper dispute notation across all platforms.

This is a violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to mark accounts as disputed when applicable.

Debt Collector Misrepresentation XXXX, acting as a debt collector, is misreporting the status of this account across bureaus. 

This constitutes a false, deceptive, and misleading representation under FDCPA 807 ( 15 U.S.C. 1692e ). 

Failure to Validate the Debt As required by FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must provide proper validation upon request. XXXX has failed to provide sufficient validation while continuing to report. 

Continuing to report a debt without validation is a direct FDCPA violation.

Laws Violated FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reporting information known or should be known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failure to properly mark account as disputed.

FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibition of false or misleading representation by a debt collector.

FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to validate debt and continued collection activity.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Lets start at the beginning : I was booking airfare on line with XXXX XXXX. During the process I received a pop up stating that if I opened an XXXX  Citi Card I would get {$200.00} off the price of the ticket. So I filled out the paperwork and was approved however the firm did not provide the {$200.00} as promised. Very underhanded practice in my opinion. 
I took my trip and forgot about the card as I never used it. 
A year later, XXXX, I got a bill stating my annual fee of {$99.00} was due. 
I didnt realize there was a card fee but figured my error so I paid it online via my bank account. 
I got another bill and letter stating that my payment was overdue. I called the company and was told they would look in to it and to please send them proof of payment. I asked the representative to cancel the card. He stated that it was better to leave the card open until the matter was resolved so they company could look in to it. 
I sent the required proof. 
Received another bill stating that my proof wasnt acceptable. 
Went to my bank and had them provide a document showing that I paid timely. XX/XX/year>. Bill was due XX/XX/year>. I sent them that documentation. 
Their response, have your bank reverse the original payment as it was showing as paid on my end and you owe us the original amount and taxes and fees. 
Meanwhile, Im getting daily calls and other correspondence telling me I still havent paid. Got many harassing calls about my overdue bill and your firm is adding {$33.00} a month in late fees. So the initial bill, {$99.00} is now {$260.00}. ( fees and taxes ) XXXX. They have reported me to the credit agencies and you continue to bill and add fees and taxes. My credit score dropped from XXXX to XXXX due to their reporting. 
They did not honor the offer of {$200.00} off ticket price, I was and am willing to pay the {$99.00} fee. I am not willing to pay the extras they have tacked on. I am sending them a paper check for initial {$99.00}. I have since closed the account. I will work with my bank to release the original {$99.00} back to my account. 
I do not owe the exorbitant fees they are charging. Please note, I do not have the full number of the credit card as I shredded it when I received it. I have no documentation showing the whole number.

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 2025-09-25 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:
I dispute the presence of unauthorized accounts within my credit file. Please perform a detailed audit and delete them accordingly. Supporting evidence is enclosed.

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 2025-09-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 2025-09-25 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: MD

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal 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 explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal 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
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-25 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: UT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 am formally disputing a late payment reported on my account. According to my records, the payment in question was made on time. This inaccurate reporting is unjustly damaging my creditworthiness and misrepresenting my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I've called Current numerous times yet they still refuse to remove this account and to stop sending me these unwanted emails about an account that I NEVER OPENED AND I NEVER USED. This XXXX  Company called Current refuse to remove information from ALL XXXX of my credit reports. I should be able to SUE this Company Current for what they've done to my credit. This Company Current should be put out of business and charged with fraud. This XXXX Company name Current have allowed numerous accounts to be opened in my name and refused to remove this information thst have damaged ALL XXXX of my credit reports. I want ALL of these accounts removed from my name and off of ALL XXXX of my credit reports ASAP. 

I've called Current numerous times within a year telling them thst i NEVER opened an account with them Current. Yet they refused to remove any accounts under my name. Current refused to close this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: VA

Complaint narrative:
* * Company : * * Equifax * * Issue : * * Incorrect information on credit report * * Sub-issue : * * Account status is wrong * * Product : * * Credit reporting or other personal consumer reports * * Account Name : * * XXXX XXXX XXXX XXXX -- - * * Complaint Narrative : * * XXXX I am disputing the reporting of Account # XXXX by XXXX XXXX XXXX XXXX as a collection item on my Equifax credit report. I submitted a dispute to Equifax showing that the overdraft charges were already posted and absorbed by XXXX XXXX. The account shows a negative balance, which confirms that the charges were handled internally not left unpaid. 
XXXX XXXX XXXX XXXX own agreement states : XXXX You pledge and XXXX as security for all obligations you XXXX have now or in the future all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. 
> You agree we have the right to offset funds in any of your accounts against the obligation owed to us. 
XXXX XXXX This means XXXX XXXX had the right to use existing funds to settle the overdraft. Section XXXX of their agreement confirms that overdrafts are posted and processed, and that the negative balance reflects how they handled it. 
XXXX > The statement provided by XXXX XXXX shows that the charges were posted and the account went negative confirming that the debt was resolved through XXXX XXXX own process. 
XXXX XXXX Equifax responded that the information was verified, but did not address the structural contradiction between the posted charges and the collection  status. This violates the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting. 
XXXX XXXX I am requesting that Equifax remove the collection status for this account and update the report to reflect that the debt was settled internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM SUNRISE CREDIT SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH SUNRISE IN MY LIFE. IVE ASKED THIS COMPANY TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the fraudulent accounts reported under my credit history. These accounts are false, unauthorized, and unconnected to me in any form. Their appearance in my credit file is a grave error that creates a misleading financial profile and subjects me to unwarranted harm. Such reporting is not only inaccurate but also fundamentally unfair, as it damages my credit reputation and places me in a position of vulnerability when dealing with lenders, service providers, or other institutions that rely on my report. This misrepresentation is unacceptable and must be corrected 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 2025-09-25 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation