vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
XX/XX/XXXX withdrawn {$10.00} at XXXX XX/XX/XXXX withdrawn {$10.00} at XXXX both done as a debit card withdrawal.

citibanks " system '' who has not been authorized to speak on my behalf, created a dispute for the transaction at 3 ; 18, to cashapp, forcing the money be returned.

citibank will not admit to the doing of this dispute tho cashapp has sent me the info on it and confirmed it was a dispute.

so 4 days later citibank does this on the XXXX and gets the money back but doesnt show it as reflective on my account. they claim it is ach payment which it was not its a debit. 

XX/XX/XXXX i had an ach for {$8.00} which clearned. 

something fishy is going on at my expense and i demand some clarity from citibank

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC, for furnishing inaccurate, incomplete, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account they are reporting is originally from XXXX XXXX, but LVNV Funding LLC is falsely listing themselves as the original creditor on my credit report. LVNV is a debt buyer, not the original lender, and reporting themselves as the original creditor is factually incorrect and misleading.

Additionally, the account is being reported with the following errors : 1. Incorrect account status : LVNV is reporting the account as Open, which is inaccurate. A collection account is not an open or active credit account. This misrepresents the nature of the debt.

2. Missing or incomplete account type : The account type is listed as, which is incomplete and violates the FCRA requirement that information be furnis
hed with maximum possible accuracy.

3. Incorrect original creditor information : Instead of listing XXXX XXXX as the original creditor, LVNV is listing themselves. This is a clear factual inaccuracy and misrepresentation.

4. Conflicting or incomplete reporting : The remarks section states Placed for Collection and Account information disputed by consumer, but the main fields are inconsistent and missing required details.

These inaccuracies cause the account to appear as if LVNV originated the loan and is actively extending credit to me, which is completely false.

I previously disputed this account with the credit bureaus, but they responded that the account was verified as accurate, despite the clear errors listed above. This indicates that neither LVNV nor the credit bureaus properly investigated the dispute as required under FCRA 611 ( a ).

I am requesting that the CFPB investigate LVNV Funding LLCs reporting and require the company to : Correct the reporting to accurately reflect the true original creditor and correct account status, OR Delete the account entirely if LVNV can not provide full verification and accurate information.

I am attaching supporting documentation, including screenshots of the incorrect reporting. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I hereby submit this letter as an official dispute of the accounts in question. I have no relationship with them and did not authorize their origination. A full review and removal are requested. Supporting documents are included.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
CreditFresh is reporting a transferred account with late payments that can not be validated. Once transferred, the account should report a {$0.00} balance and accurate historical data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am filing this dispute regarding the following inaccurate or unverifiable entries in my Experian credit report. I request that they be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : CHILD SUPPORT ENFORCEMENT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Inquiries in Dispute : XXXX  Date : XX/XX/XXXX Late Payments in Dispute : XXXX XXXX Account Number : XXXX CHILD SUPPORT ENFORCEMENT Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
am disputing the validity of a {$740.00} collection account reported by Jefferson Capital Systems on behalf of XXXX XXXX. This alleged debt dates back approximately 20 years and does not belong to me. 

I have consistently maintained that this account is not mine. I pay my bills responsibly, particularly my phone bills, which are essential for daily life. Despite my disputes, the credit reporting agencies have repeatedly sent documentation that includes my signature, but the account itself is not mine. 

I believe this debt is the result of identity theft. Years ago, personal information of mine was stolen from my grandfathers garage, where I had stored belongings after leaving the state. I have informed XXXX XXXX, Jefferson Capital Systems, and the credit reporting agencies of this theft on multiple occasions. I also filed disputes with the credit bureaus when I discovered the identity theft years later. 

Despite these efforts, I continue to receive intimidating communications from both XXXX and Jefferson Capital Systems. I do not wish to receive further contact regarding this matter. I respectfully request that this account be investigated thoroughly and removed from my credit report, as it is not a valid debt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
The reported entry inaccurately characterizes my financial behavior. I kindly request a thorough review and appropriate adjustment.

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 2025-11-26 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-26 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 writing to dispute the following items on my TransUnion credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF ACCT XXXX XXXX XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX Balance : {$460.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$740.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX Balance : {$210.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 2025-11-26 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: NC

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
We noticed a charge on our PayPal account and immediately filed a dispute with PayPal. PayPal then close the dispute, indicating that we were paid by another party and they did not look into any further. They are currently charging us the original amount of the dispute of charge and will not overturn their decision to no longer look into this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: MT

Complaint narrative:
I am attempting to correct a serious error in my Personal Identifying Information ( PII ) on my Experian credit file. 
THE ERROR : My credit file contains incorrect and unauthorized contact information, specifically my ex-wife 's phone number and/or email address, listed as recovery or verification contacts. This is Inaccurate Personal Identifying Information ( PII ) and must be corrected immediately. 
IMPACT : This error caused my application for a XXXX XXXX Monthly Device Plan to be denied, as the creditor ( XXXX ) reported being 'unable to access my credit information ' due to 'special circumstances on [ my ] credit profile ' ( see attached denial letter ). This suggests the inaccurate PII is blocking creditor access. 
FAILURE TO DISPUTE : I have repeatedly attempted to contact Experian 's phone support ( XXXX ) to file a formal PII dispute and speak with an agent, but the automated system continuously loops me through options for placing a fraud alert and will not transfer me to a human representative. This violates my right under the FCRA to dispute inaccurate information on my credit report. 
Desired Resolution : I request that Experian 's compliance team manually investigate my file, immediately remove all PII associated with my ex-wife, and update my credit file to reflect only my correct, current personal information. I also request confirmation that this error has been corrected so I can proceed with the credit application.

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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi sent me a final response to my dispute addressed to XXXX XXXX. 
That is not my legal name. My legal name is XXXX XXXX. 

After receiving the misaddressed letter, I contacted Citis Executive Response Unit and asked them to confirm why their systems were showing a split or incorrect identity. While reviewing their reply, I discovered that Citi has multiple conflicting identity records for me across their internal systems. This raises serious concerns regarding : XXXX XXXX failures Data integrity and inaccurate customer profile information The validity of the final determination issued under the wrong identity Regulatory obligations to maintain accurate consumer information under FCRA Citis response also confirms that data in some of their systems does not match the identity information they used to send my determination. This means my case was closed under an incorrect identity, which makes the entire determination invalid. 

I am requesting : 1. Correction of all identity records across Citi systems. 
2. Confirmation of how the incorrect identity ( XXXX ) was created or selected. 
3. A proper reinvestigation and corrected determination issued under my actual legal name. 
4. A full audit trail showing all internal identity records associated with my profile. 

At this point, Citi has acknowledged inconsistencies but has not corrected them or reissued a proper final response. My concern is that their decision was made using incorrect customer data, which is a violation of multiple consumer-protection 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 2025-11-26 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: Possible Financial Inc
State: CA

Complaint narrative:
XXXX has reinserted two negative accounts on my credit report that were previously deleted after my initial dispute. These accounts - XXXX XXXX and POSSIBLE FINANCIAL- were added back without providing the legally required 5-day written notice of reinsertion, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

This is my second dispute because XXXX failed to conduct a proper reinvestigation and is reporting inaccurate and unverifiable information in violation of FCRA 611 611 ( a ) ( 1 ) ( A ) and FCRA 626 ( a ) ( 1 ) ( A ). The accounts contain reporting inconsistencies, and I am requesting a full Method of Verification, which XXXX has not provided. 

Additionally, due to the 2025 XXXX data breach, I am concerned that the reinsertion stems from compromised or mismatched comsumer data, and I want confirmation whether my data was affected. 

I am requesting the CFPB to investigate XXXX XXXX noncompliance, reinsertion violations, failure to notify, and continued reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
Dear Equifax, I am writing to dispute the following items on my Equifax credit report, as they contain inaccurate or incomplete information. Please review and investigate these accounts as they do not accurately reflect my credit history. 

Charged Off : XXXX XXXX ( Account XXXX  XXXX ) - Opened on XX/XX/XXXX, Balance : {$0.00} XXXX  ( Account XXXX XXXX XXXX  - Opened on XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment : XXXX ( Account XXXX  XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/2025 To Whom It May Concern : I am writing in response to your recent communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of the debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. 
2. The name and address of the original creditor.

3. Proof that I am legally obligated to pay, including a copy of the original signed agreement or contract. 
4. Verification that your agency is authorized to collect this debt in my state. 
5. A complete payment and account history showing how the claimed amount was calculated. 
6. Documentation showing the chain of assignment or ownership of the debt, from the original creditor to the present collector. 

Until you provide the requested validation : All collection activity must stop, including phone calls and letters. 
You may not report or verify this alleged debt with any credit reporting agency. 
If it has already been reported, you must remove it until proper validation is provided. 

This letter is not an acknowledgment of liability and not a promise to pay. It is a request for information only. 

I request that all future communication be made in writing only. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief