vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
ssue Summary for CFPB Complaint : Company : Citibank Product : Checking or Savings Account Issue : Account closed but funds not returned What happened : Citibank closed my Citi Priority account while there were still funds remaining in it. I was informed that the only way to receive my remaining funds was by wiring them to another Citibank account. However, since Citibank had already closed my account, I was unable to open a new one to complete the transfer. 

Instead, I was told a paper check would be mailed and that this process would take XXXX to 60 days. It has now been more than 30 days, and I have not received my money. Ive contacted Citibank multiple times, but each time I am given the same timeline with no clear update or resolution. They have refused to expedite the process despite my repeated requests. 

I am a XXXX individual living on a fixed income, and I am now facing eviction because I do not have access to my own money. This situation has caused severe financial and emotional stress. I believe Citibank is unreasonably withholding my funds and not making any good faith effort to resolve the matter promptly. 

What I want : I am requesting that Citibank immediately expedite the disbursement of my remaining funds by issuing and overnighting a check. I also request confirmation and tracking of the payment. Additionally, I ask that this situation be investigated due to the financial harm and hardship it has caused me.

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 2025-09-01 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: MI

Complaint narrative:
I am a victim of identity theft. The following accounts and/or inquiries on my credit report are not mine and were opened or placed without my knowledge, authorization, or consent. I did not receive any benefit or services from these accounts and I am disputing their validity. 

I am requesting protection under the Fair Credit Reporting Act, Section 605B, which requires consumer reporting agencies to block fraudulent information within 4 business days upon receiving an identity theft report. 

I declare this information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am a victim of identity theft. The following accounts and/or inquiries on my credit report are not mine and were opened or placed without my knowledge, authorization, or consent. I did not receive any benefit or services from these accounts and I am disputing their validity. 

I am requesting protection under the Fair Credit Reporting Act, Section 605B, which requires consumer reporting agencies to block fraudulent information within 4 business days upon receiving an identity theft report. 

I declare this information is true and correct to the best of my knowledge.

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 2025-09-01 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
What happened : Credit Acceptance Corp filed a case against the defendants ( myself and another ) regarding alleged debt. We were never properly served with a summons or complaint in this action. The court had granted the plaintiff additional time ( 120 days ) to serve us, but that period expired without any service. 

The plaintiff has also failed to prosecute the case diligently. Their lack of service and prosecution has caused harm, including improper credit reporting and collection attempts, without proper notice or due process. 

We are submitting this complaint under our rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the right to : Dispute inaccurate or incomplete information on credit reports ; Have inaccurate or incomplete information corrected or deleted ; Receive notice of actions taken in response to disputes ; and Ensure furnishers of information provide accurate reporting. 

We request that the CFPB investigate this matter and ensure that any reporting or collection actions taken by the company comply with federal law.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: NC

Complaint narrative:
I am disputing a fraudulent rental account for XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This account is not mine and is the result of identity theft. I submitted my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Under FCRA 611, rental reporting agencies must investigate and remove identity theft accounts promptly, and federal law requires correction within 4 business days. No police report is required. I demand immediate removal and written confirmation once resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CT

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated the account following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}

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 2025-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX is reporting that I owe over {$500.00} to them for aXX/XX/XXXX However, XX/XX/year> I signed over my XXXX contract to my boyfriend. They did an internal transfer. Me, him and XXXX were on the phone and all phones/bill were transferred to his own internal XXXX account. I signed off on everything and he did as well. All phones and bills are in his name at XXXX. I signed over all financial responsibility. He is paying the sameXX/XX/XXXXXXXX today, that they are accusing me of owing money for. The serial numbers match, so how is he paying for theXX/XX/XXXX XXXX, and its in collections for me. I signed over all account information to him. This debt is not mine! I reached out to tmobile and they agreed but said I had to dispute with collections. Collections is not investigating this matter, and not removing this from my report. XXXX has all of the contracts that I signed - me signing the account over to my boyfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed disputes against all credit reporting companies in the United States of America of the unlawful use of false information on my behalf and without my consent. Yet, the correspondence from the credit false reporting bureaus continue with the mailers to my correct address asking for my correct address? As well as asking for more of my personal information. Instead of resolving the issues by deleting the unlawfully utilizing and false and null data on my behalf without my written consent. I will not be ran in circles because you arent preforming your jobs correctly. If you do not resolve these issues in a timely manner? I will be forced to escalate these false reports on my behalf ( see prior disputes and CFPB disputes/complaints on my behalf against the Equifax, Transunion and Experian credit services of the United States credit bureaus.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed disputes against all credit reporting companies in the United States of America of the unlawful use of false information on my behalf and without my consent. Yet, the correspondence from the credit false reporting bureaus continue with the mailers to my correct address asking for my correct address? As well as asking for more of my personal information. Instead of resolving the issues by deleting the unlawfully utilizing and false and null data on my behalf without my written consent. I will not be ran in circles because you arent preforming your jobs correctly. If you do not resolve these issues in a timely manner? I will be forced to escalate these false reports on my behalf ( see prior disputes and CFPB disputes/complaints on my behalf against the Equifax, Transunion and Experian credit services of the United States credit bureaus.

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 2025-09-01 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-01 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: FL

Complaint narrative:
This Company claims to have the facts accurate, they do not. This account from the original creditor Has a XXXX Balance, the clarification by XXXX and XXXX Claims to be an Attorney, there are a Collection Agency using an Attonery License. 
This account originally was a medical item, they are violating the hippa law, re clarifying and reporting to all major credit agencies incorrectly claiming the wrong information is accurate.the item was originally XXXX XXXX dollars, some how purchased this contract which original creator does not have, I have ask for the contract several time and no response. XXXX and XXXX does not have original contract and now put the claim for XXXX. Please have them delete this damage on my behalf I must take this to the next level if there is no deletion absolutely damaging my Rights and clear mis conduct I classify this as legal extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-01 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: VT

Complaint narrative:
I am filing a complaint regarding the unfair treatment of hard credit inquiries by credit reporting agencies, which I believe violates consumer protection principles and creates unjust barriers to fair credit access. 

Despite having no negative items on my credit reportno late payments, collections, or other derogatory marksmy credit score has been artificially suppressed solely because of hard inquiries. These inquiries remain on consumer credit reports for up to a year and significantly lower credit scores, even though they do not represent actual financial mismanagement or heightened risk. 

What makes this practice especially harmful is that there is no meaningful dispute or correction process available for consumers. Once applied, these inquiries lock individuals into an artificially low score, preventing access to affordable loans, mortgages, or other financial opportunities. In effect, this system traps consumers despite their responsible financial behavior, which I believe amounts to an unfair and deceptive practice. 

This penalty structure disproportionately harms individuals attempting to responsibly secure credit, housing, or financial services, and it provides no pathway for correction. I respectfully request that your office investigate these practices and consider whether they constitute violations of state consumer protection or unfair trade laws. 

Specifically, I ask that your office advocate for reforms requiring : XXXX. The reduction or elimination of the disproportionate impact of hard inquiries on credit scores. 
XXXX. The creation of a transparent dispute process allowing consumers to challenge or remove inquiries that unduly suppress their scores. 
XXXX. XXXX accountability from credit reporting agencies to ensure that scoring models reflect true consumer creditworthiness. 

I would appreciate confirmation that this complaint has been received and information about any actions your office XXXX take. 

Thank you for your attention to this matter and for your continued work in protecting consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation