vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : Cease and Desist Citibank Credit Card Account # XXXX To Whom It May Concern, I am submitting this formal complaint regarding Citibanks handling of my credit card account, referenced above. 
Background : Citibank has engaged in improper and harmful practices relating to the management and collection of this account. Despite my repeated attempts to resolve this matter directly, Citibank has continued to pursue actions that I believe violate my consumer rights, including billing and collection practices that appear to be unfair, deceptive, and not in compliance with federal consumer protection laws. 
Issues : 1. Improper and continued collection attempts relating to this account. 
2. Lack of clear or sufficient documentation verifying the validity of the debt. 
3. As a result of these practices, Citibank has also reported negative and potentially inaccurate information to credit reporting agencies, further compounding the harm caused. 
Request : I demand that Citibank : Immediately cease and desist all improper collection activity related to this account. 
Provide full documentation and verification of the account and any alleged balance. 
Correct or withdraw any inaccurate reporting that resulted from these actions. 
Notice : Failure to resolve these issues may constitute violations of the Truth in Lending Act ( TILA ), the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, and the Fair Credit Reporting Act ( FCRA ). I reserve the right to pursue further remedies, including legal action, should these matters remain unaddressed. 
I respectfully request that the CFPB investigate Citibanks handling of this account and ensure compliance with applicable consumer protection statutes. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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 have filed multiple disputes regarding a XXXX XXXX account ( No. XXXX ) that has been deleted several times from my XXXX  credit report. However, Equifax has repeatedly allowed this account to be reinserted without following the requirements of the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] : Equifax reinserted the deleted account without obtaining a certification of accuracy from XXXX XXXX, and without providing me with written notice within XXXX business days prior to reinsertion, as required by law. 

Violation of FCRA 604 [ 15 U.S.C. 1681b ] ( Permissible Purpose ) : The reinsertion of previously deleted information without my written authorization and without a valid permissible purpose is illegal and abusive. 

Additional Violations : Defamation of character by publishing false and inaccurate information. 

Negligent enablement of identity fraud. 

FDCPA violations ( 15 U.S.C. 1692g ) regarding unvalidated debt reporting. 

Willful noncompliance with FCRA triggering civil liability under 616 [ 15 U.S.C. 1681n ]. 

This repeated unlawful reinsertion has caused continuous harm to my credit profile despite my disputes filed through the CFPB, IdentityTheft.gov, direct disputes with Equifax, and with the furnisher ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
Noticed a collections account added on my credit report on XX/XX/year> by Absolute Resolutions Investment in the amount {$7700.00} that does not belong to me. Zero information on the original creditor or type of debt available. Requesting this collection be removed from my credit history completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I was not given any information about this debt it just showed up on my credit report a debt collection third party is saying I owe money to this gym when I cancel my membership due to having XXXX XXXX  XXXX and now I cant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
Date : XX/XX/year>. 
Amount : XXXX. 
Actions : They failed to provide sufficient evidence to substantiate the claim regarding the referenced account. There were no photos to valid their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AUTO FINANCE USA, LLC
State: OK

Complaint narrative:
They sent paperwork to my employer to garnish my check. When I called to let them know it was passed statue of limitations to collect the debt they told me that " no you will pay this because you owe us, we dont care how long ago it was '' It shows on my credit report that last payment was made on XXXX Yet it shows it was closed on XXXX. From what I am aware of they should not be able to garnish this to collect money because it is AFTER the statue of limitations at this time. They " ve garnished many of my checks. 
Date of garnishment are : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Now going off my credit report the loan was opened on XXXX and was closed on XXXX This shows that collections for this account should not be attempted because it is passed the statue of XXXX yrs.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I currently have 2 charged off accounts with Capitol One and they both are small amounts under XXXX respectively. 
I pay what I can and yes they offer a settlement offers but currently I can't seem to make my money stretch to cover those settlement amounts.

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:
Got it heres a revised version of your CFPB What Happened statement that covers all three credit bureaus ( XXXX XXXX, and TransUnion ) instead of just XXXX : Draft Message for CFPB What Happened Section I am the victim of identity theft, and all three credit bureaus ( XXXX XXXX, and TransUnion ) are reporting multiple fraudulent accounts and unauthorized inquiries that do not belong to me. I never applied for or authorized the following accounts, yet they are reporting negatively on my credit reports : OPPLOANS/FEB {$1000.00} Opened XX/XX/XXXX Credence Resource Manage {$320.00} Opened XX/XX/XXXX Credence Resource Manage {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$680.00} Opened XX/XX/XXXX XXXX XXXX {$4300.00} Opened XX/XX/XXXX to name a few In addition, there are multiple unauthorized hard inquiries from 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 and inquiries were not opened or authorized by me, and they are severely damaging my credit, preventing me from obtaining fair housing, employment, and financial opportunities. 

I have already submitted disputes, affidavits, and proof of identity to each bureau, yet the inaccurate information remains. I am requesting that the CFPB require Experian, Equifax, and TransUnion, along with the furnishers of these accounts, to comply with the Fair Credit Reporting Act ( FCRA ) including 604, 605B, 611, and 623 by permanently removing or blocking these fraudulent accounts and inquiries. 

I am attaching my identification and supporting documents to verify my identity and confirm that these accounts do not belong to 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 non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from XXXX reporting a balance of {$3400.00} on my credit report. 

On XX/XX/XXXX, I filed a written dispute with the credit bureau under the Fair Credit Reporting Act ( FCRA ), requesting verification of the accuracy, completeness, and legal right to report this account. 

The credit bureau confirmed receipt of my dispute on XX/XX/XXXX, but did not provide documentation from XXXX verifying the account. Despite the lack of verification, the bureau continued to report the account as accurate without proof of its legitimacy. 

I am requesting assistance to ensure that either full documentation is provided or the account is removed if the information can not be verified as required by 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 2025-08-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from XXXX reporting a balance of {$3400.00} on my credit report. 

On XX/XX/XXXX, I filed a written dispute with the credit bureau under the Fair Credit Reporting Act ( FCRA ), requesting verification of the accuracy, completeness, and legal right to report this account. 

The credit bureau confirmed receipt of my dispute on XX/XX/XXXX, but did not provide documentation from XXXX verifying the account. Despite the lack of verification, the bureau continued to report the account as accurate without proof of its legitimacy. 

I am requesting assistance to ensure that either full documentation is provided or the account is removed if the information can not be verified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I reviewed my credit report and saw serious inaccuracies and problems with my Department of Education student loan reporting.

One account shows 120 days late with a past due balance of {$470.00} and a highest balance of {$1700.00}. This delinquency has been reported multiple times and is causing severe harm to my credit score. 
Another student loan account ( opened XX/XX/XXXX ) is reported with an account closed date of XX/XX/XXXX, which is clearly inaccurate and impossible. This incorrect reporting is misleading and unfairly damaging my credit history. 

I have attempted to contact the Department of Education/ my servicer on [ insert dates you called or emailed ] to request correction of these errors and to ask for options to bring my accounts current ( such as income-based repayment, rehabilitation, or consolidation ). However, I did not receive a proper resolution, and the inaccurate information remains on my credit reports. 

These errors and unresolved delinquencies have made it extremely difficult for me to rebuild my credit, access fair financial opportunities, or qualify for basic housing/loan needs. 

I am requesting that the Department of Education : 1. Correct the inaccurate reporting ( remove the false 1969 closed date and update the account status ).

2. Provide a reasonable resolution to bring my delinquent account current or set up a repayment/rehabilitation program. 
3. Remove or correct any unverified or inaccurate negative marks that are unfairly harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I thought I had closed the account in XX/XX/2024, then I received a bill for the yearly fee. I contacted them and they said I didn't close the account. They said they would close the account and waive the fee. I then received another bill for penalty and interest. T I contacted them again and they stated that there was a coding error and that they would fix it but I still owed them the original fee. I paid the fee and asked for the account to be closed. I state I wanted a letter that stated I owed nothing, which I received. Notice it doesn't state that my account is closed, but when I talk to them they say it is. I then received another bill. They stated that my account was closed but now I have another bill stating I have approximately {$3.00} credit! All I want is to stop getting bills and get the account closed. 
Synchrony Bank XXXX. Box XXXX XXXX, PA XXXX Customer Service XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was told that I had a debt that needed to be settled immediately otherwise he would submit it to damage my credit and make it to where I would never be able to rent and apartment/house again. I then submitted a complaint and requested to be in writing only then asked for validation of debt. I have XXXX other complaints to submit as this is a joint ordeal with my wife, they have been harassing her as well and we asked for the same documentation but are still calling her. 
They also gave us private information of a different couple that have the same last name These will have to be a separate complaint to file as I was unable to pick multiple options to submit as this company has violated us in XXXX separate ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Jefferson Capital Systems, which they state was purchased from XXXX. 
Debt Buyer : Jefferson Capital Systems Original Creditor : XXXX Account type : Collection account Account number : XXXX Original balance : {$3000.00} Reported balance : {$3000.00} Balance updated : XX/XX/XXXX Date opened : XX/XX/XXXX Status : Collection account, {$3000.00} past due as of XX/XX/XXXX Summary of Issue : This collection account is inaccurate and unverifiable. Jefferson Capital Systems is reporting a XXXX debt as owed and delinquent, but I dispute this reporting for the following reasons : I have not been provided with proper documentation showing that this debt is valid, that XXXX XXXX legally owns or has the right to collect it, or that the balance is correct. 
The account is being reported as a past due collection even though I dispute owing any amount. 
No supporting contracts, account statements, or proof of responsibility have been provided to me. 
This account is damaging my credit and may also violate the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be furnished, and the Fair Debt Collection Practices Act ( FDCPA ), which requires that debt collectors provide validation of debts they are reporting.

Requested Resolution : A full investigation into the validity and accuracy of this debt.

Verification that Jefferson Capital Systems has the legal right to collect and report this debt, including proof of contract and account records.

If Jefferson Capital can not provide documentation to substantiate this debt, immediate removal of this collection account from my credit reports with XXXX XXXX and XXXX.

Written confirmation of the outcome of this investigation.

This account should not continue to be reported without proper validation, as it misrepresents my credit history and causes serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
I am a victim of identity theft. I submitted XXXX FTC Identity Theft Reports ( Nos. XXXX and XXXX ) and a Chicago Police Department Summary Incident Report ( Report # XXXX ). Experian previously blocked and removed the following fraudulent accounts after I provided documentation, but Experian reinserted them in XX/XX/year> without providing the certified proof required by law : XXXX Account XXXX {$21000.00} charged off / {$17000.00} past due ( Balance updated XX/XX/year> ). 
XXXX Account XXXX {$6300.00} charged off / {$5600.00} past due ( Balance updated XX/XX/year> ). 
XXXX XXXX Account XXXX {$7400.00} charged off ; showing Paid, Closed. 

XXXX reinsertion notice claims I agreed in writing, made a payment, or benefited from the transaction, but Experian has not produced any certified proof, signed agreement, or other lawful verification only an automated reply. I have attached copies of my FTC Identity Theft Reports, the Chicago PD report, screenshots of Experians account pages showing the accounts and reinsertion dates, and prior dispute confirmations. 
I filed multiple disputes with Experian and uploaded FTC Identity Theft Reports ( Nos. XXXX and XXXX ) and XXXX XXXX report XXXX. Experian removed the items previously but reinserted them without proof. I have attached copies of the disputes, Experian responses ( automated ), and screenshots showing the reinserted accounts and reinsertion dates.

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