vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
We regularly make large payments on our Mastercard with Citibank. Admittedly I've been late couple of times over the past year ( but I did pay every month - i.e. payment was due on the XXXX, but I paid by the XXXX, for example ), which has been resolved the last few months. We have never had a 30 day late payment. Apparently Citibank regularly holds a payment and doesn't apply it to the balance for a variety of reasons : out of the ordinary large payments, multiple payments, history of paying late, etc. 

For Citibank, they have your " current balance '', " available credit '', and " credit limit ''. We regularly make large payments every month, as we prefer to pay the card down as much as possible. Even though the current balance reflects the payment made, " Available Credit '' does not get adjusted until after they release the hold on the payment - sometimes up to two weeks. In the meantime, the funds have been drawn from our bank account. For the latest example, I paid {$13000.00} on the credit card from our business account on the XX/XX/XXXX. I confirmed when I made the payment that the " available credit '' increased accordingly. I found out yesterday that while my business partner is out of town on business, he couldn't use the card because that payment is being held. Apparently, Citibank for some reason changed their mind after I made the payment and put a hold on it. The only way to make the card work for my business partner while he is traveling is to make another {$5000.00} payment on XXXX so that he could pay for a rental car and hotel. Amazingly enough, they didn't hold that payment.

They are costing our business, and us personally, a lot of money. It almost appears like they don't want you to pay down your card ( they don't like large payments or multiple payments - how else can you pay down your card? ), and if you do, they are going to hold onto the funds until they decide to apply it against your account. Yet, I'm sure they are earning interest on the money they are holding but not applying against people 's accounts. In the meantime, funds are not available to us because they've taken it from our bank account, but we can't use the card for anything.

Every " customer support '' person says there's nothing they can do. I've asked for a supervisor, who also said there's nothing they can do. I tried to reach out to the executive team, who had a person call me who also stated there was nothing they could do. We are getting rid of this card as soon as possible and switching to a XXXX card through our local credit union, who has much better customer support. We'll miss the air miles, but it isn't worth the headache.

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 2025-08-06 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DEPT OF EDUCATIONXXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please update the following account as paid, never late. 


XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
Equifax Refused Valid ID Documents and Failed to Provide Method of Verification ( FCRA Violation ) To Whom It May Concern, I am filing a complaint against Equifax for refusing to honor a valid Method of Verification ( MOV ) request and wrongfully rejecting compliant identity documents, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed Equifax the following documents : A copy of my valid U.S. drivers license displaying my full current address A copy of my IRS 1099 form, which clearly includes my Social Security Number My dispute was originally submitted online, and I was not disputing the item again, but rather requesting the Method of Verification ( MOV ) for an account already investigated - specifically, a tradeline reported by XXXX. Because the reinvestigation had already been completed, the MOV should have already existed in Equifaxs system and should have been provided without delay. Instead, Equifax responded with the attached rejection letter claiming that my identity documents did not match their records. This is false and unjustified. The documents I submitted were : Valid, legible, and compliant with Equifaxs own ID requirements ( attached ) Clearly displayed the last four digits of my SSN, which match the identifying information in the rejection letter itself ( attached ) Sent via certified mail and properly addressed ( return receipt attached ) It has now been 15 business days since ( it is now XXXXXX/XX/XXXX therefore, as of tomorrow - XX/XX/year> - itll be 16 days ) Equifax received my MOV request. Per FCRA 611 ( a ) ( 7 ), the credit bureau is required to provide a written description of the procedure used to verify the disputed information, including the name, address, and telephone number of the furnisher - - within 15 days of receiving the request. It does not prompt them to open a new dispute. Additionally, I am attaching confirmation numbers from the original dispute ( s ) showing that the investigation was completed in less than 24 hours, meaning the MOV should be readily accessible from that investigation.
Equifaxs conduct appears to be a stalling tactic designed to obstruct my access to federally protected information. This has caused significant frustration and is a direct violation of FCRA 611 ( a ) ( 7 ), 611 ( a ) ( 5 ), and 609 ( a ).

Updated the above with an additional violation of FCRA - 609 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: GA

Complaint narrative:
The company pro collect is trying to get a debt amount for {$2600.00} for beacon place. Pro collect did not call or mail me any information on the debt. I didnt know beacon place sold off my information to them.

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Went to dispute my collections and was removed temporarily then added with a lower score with no notification and some of the medical collections are over XXXX XXXX XXXX. I am a XXXX person and feel discriminated for disputing my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CL Holdings LLC
State: PA

Complaint narrative:
THERE ARE FRAUDULENT AND INACCURATE ITEMS ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate, Incomplete, and Misleading Credit Reporting Demand for Deletion Account Name : Sparrow Financial , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$300.00} High Credit : {$590.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX Charge-Off Amount : {$590.00} I. Violations and Inaccuracies Chronologically Impossible Dates Date of Last Payment is reported as XX/XX/XXXX, which is XXXX months before the reported Date of First Delinquency ( XX/XX/XXXX ). 

This is logically and factually impossible, violating : FCRA 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i ( a ) Duty to investigate delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The Company reported an Repossession back on XX/XX/year> and the vehicle was repossession on XX/XX/year> and redeemed on XX/XX/year>, company has not made any effort to correct the inaccurate information that has harmed my credit ability to established any other credit. 

Subject : Formal Dispute & Cease and Desist Notice under FCRA, UCC, and CFPB Regulations To Whom It May Concern, This letter serves as a formal dispute and cease and desist notice regarding the reporting of a repossession dated XX/XX/year>, as well as continuous negative reporting of late payments on my personal credit file. Your actions have caused substantial harm and damage to my creditworthiness and violate multiple provisions of federal law and consumer protection regulations. 
________________________________________ LEGAL BASIS FOR DISPUTE & CEASE AND DESIST 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) & ( b ) : You have failed to maintain accurate reporting and to conduct proper investigations of disputed information. 
15 U.S. Code 1681e ( b ) : You did not follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681b : There appears to be no permissible purpose for the continued reporting or dissemination of this harmful information.

15 U.S. Code 1681u : If any consumer report information was shared with third parties without proper legal authorization, this is a serious violation.

15 U.S. Code 1681n & 1681o : Your willful or negligent noncompliance subjects you to statutory damages, actual damages, punitive damages, and attorneys fees.

15 U.S. Code 1681 ( 2 ) ( XI ) : You are reminded that negative and adverse reporting that is misleading or untimely can be seen as a violation of consumer rights under FCRA.

2. Uniform Commercial Code ( UCC ) UCC 9-609 & 9-610 : The repossession of property must comply with lawful repossession procedures, including notice, peaceful possession, and commercial reasonableness in the disposition of the collateral. If your repossession or reporting process lacked these elements, it constitutes unlawful conduct. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations 12 CFR Part 1022 ( Regulation V ) : You must ensure proper and timely reporting obligations with respect to accuracy and reinvestigation.

12 CFR Part 1006 ( Regulation F ) : As a debt collector or servicer, your communications must not misrepresent or harass consumers or report data that is false, outdated, or otherwise inaccurate.

4. Truth in Lending Act ( TILA ) 15 U.S. Code 1666b & 12 CFR 1026.13 : If there are billing errors or improper charges that led to the negative status or delinquencies, they must be investigated and corrected in accordance with these statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i noticed hard inquiries unauthorized on my credit reports

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX : acct # XXXX XXXX. XXXX XXXX : acct # XXXX XXXX. XXXX XXXX XXXX : acct # XXXX XXXX. XXXX XXXX : acct #. 
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct. # 's XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  : acct # XXXX 15 USC 1681 Section 602A states : I have the right to privacy. 
15 USC 1681 Section 604 A2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C A5 states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse items of information other than records of crimes which antedates the report by more than 7 years.

15 USC 1681 5-2 A1 states : A person shall not furnish any information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received letter showing I owe XXXX XXXX and non of the account numbers are accurate, abd yet theyre trying to obtain funds from me for said accounts. Ive reviewed all my accounts and non were compatible with the numbers they displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX - XX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year>

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 2025-08-06 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: VA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation