vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Systematic payment holds and restrictive credit policies preventing fulfillment of Welcome Offer terms : I am filing this complaint against Citibank regarding my credit card account opened in XX/XX/2024. Citibank is engaging in unfair practices that effectively prevent me from utilizing the credit product I was offered and from meeting the spending requirements for the Welcome Offer bonus. 

The Issue : 1 ) Bait and Switch on Credit Utility : Citibank enticed me with a Welcome Offer requiring {$3500.00} in spending. However, they only granted a {$1500.00} limit. This limit is less than 50 % of the required spending target, making it operationally difficult to reach the bonus without making multiple payments per month to cycle the credit line.

2 ) Systematic and Unfair Payment Holds ( 14 Days ) : To mitigate the low limit, I am forced to make mid-cycle payments. However, Citibank systematically holds my available credit for two weeks after receiving the funds, rendering the card unusable. This is not an isolated incident but a recurring pattern : a ) XXXX Instance : I made an advance payment of {$500.00} on XX/XX/XXXX ( debited XX/XX/XXXX ). Citibank refused to release the credit hold until XX/XX/XXXX -- a full two-week delay. 
b ) Current Instance ( Black Friday ) : On XX/XX/XXXX, Citibank debited {$410.00} from my bank account. On XX/XX/XXXX, needing to free up space for Black Friday, I made another payment of {$490.00}. 
c ) On XX/XX/XXXX, I attempted to use the card, but the credit was unavailable. A representative stated these recent payments are being held until XX/XX/XXXX and XX/XX/XXXX respectively. 

My bank clears these funds within days. By holding my available credit hostage for 14 days on a recurring basis, Citibank is blocking me from using the card during the critical holiday promotional window. 

Refusal to Adjust Limit : I requested a credit limit increase twice ( once in XXXX, once in XXXX ) to resolve this bottleneck. Both were rejected because the account has not been open long enough. I have an XXXX FICO score and receive limits of {$16000.00} from competitors. 

Citibank is creating a trap : They refuse to give me a usable limit because the account is new, but they also refuse to process payments quickly so I can use the low limit they gave me. 

The Harm : Citibank is effectively engaging in a constructive denial of service. By capping my limit at {$1500.00} and routinely holding payments for 14 days, they have made it mathematically impossible for me to use the card for normal purchasing or to reach the {$3500.00} spending goal they marketed to me. I am effectively locked out of my account during the exact time I need to use it.

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 2025-11-28 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: CA

Complaint narrative:
Can you go through this entry? It might be off because I did it late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Jp morgan chase credit card- {$33000.00} XXXX XXXXXXXX XXXX XXXX  {$12000.00} XXXXXXXX XXXX XXXX XXXX  {$13000.00} These were fraudulent charges I asked the company to waive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
My account is closed and wise keep decide close my account when appeal but they haven't refund my money yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CT

Complaint narrative:
XXXX XX/XX/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 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-28 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-28 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Lvnv funding LLC has failed to show any verification on accounts that's on my credit report the original creditor has stated that im not liable for the debt because of fraud I want these accounts deleted from my credit report the amounts are XXXX XXXX. XXXX XXXX. XXXX XXXX  amount XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: VA

Complaint narrative:
I recently obtained my XXXX  credit report and discovered multiple fraudulent account that I did not open or authorize. 

Jefferson Capital System Account XXXX XXXX XXXX Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/year> Status : In collections for {$1000.00}. 
Original Creditor : XXXXXXXX XXXX XXXX " PLACED FOR COLLECTION. '' I have never had an account with XXXX, and this debt is not mine. 

I have never been a member of or applied for credit with the original creditor XXXX. I did not authorize anyone to open these accounts on my behalf. 

I have already disputed some of these accounts with XXXX, as noted on the report, but they remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX Phone : XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Cease & Desist Accounts Ending in XXXX and XXXX To Whom It May Concern, This letter is a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), requiring that LVNV Funding LLC immediately cease all communication with me regarding the following alleged accounts : Account 1 : XXXX Reported balance : {$1600.00} Account 2 : XXXX Reported balance : {$830.00} For over two months, I have repeatedly requested validation, accuracy, and proof of ownership for both accounts, yet no sufficient documentation has been provided. Because LVNV Funding LLC has failed to validate these debts as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA, these accounts must be deleted from all credit bureaus immediately.

Effective immediately, I demand that LVNV Funding LLC stop all communication with me, including phone calls, emails, text messages, letters, or any other form of contact. Under the FDCPA, the only communications you may send are : 1. Written confirmation that you will cease all further communication, or 2. Notice of specific legal action you intend to take.

Any further attempt to contact me will be documented as a violation of federal law and may result in complaints being filed with the CFPB, FTC, and the Nevada Attorney Generals Office.

Additionally, because the accounts have not been validated within the legally required timeframe, I am demanding their prompt and permanent removal from my credit reports with XXXX XXXX and XXXX. 
Please provide written confirmation that : All communication has been terminated, and Both accounts have been deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am requesting assistance regarding my CarMax Auto Finance account from XX/XX/year>. I experienced a period of hardship during which a late payment occurred, but since then I have been stable and working hard to rebuild my credit. I previously contacted CarMax Auto Finance with a goodwill request asking if they would consider removing the late payment as a courtesy, but I never received a response. I am not disputing the accuracy of the account ; I am only asking for help getting a reply or clarification on my request. If possible, I would appreciate consideration of a goodwill adjustment to reflect my improved payment history and current financial stability. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I never gave them permission to sale my account to portfolio recovery associated llc. Never got my permission or signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I am submitting this complaint because XXXX and Credence Resource Management have placed an unfounded and unverified collection account on my credit reports for {$150.00}, despite my account being canceled with a {$0.00} balance and despite receiving no communication of any bill, fee, or outstanding obligation after my cancellation. 
Background I canceled my XXXX  account on XX/XX/year> due to unresolved customer service issues and inability to receive proper assistance regarding my device upgrade and plan options. At cancellation, I was informed my account had a XXXX balance, and no one from XXXX stated or indicated that any additional charges or cancellation fees were owed. 
No Notice of Any Balance From the date of cancellation until late XXXX XXXX XXXX XXXX sent me no communication regarding any outstanding charges. There were : No emails No phone calls No text messages No mailed bills No cancellation fee disclosure No request for payment The only communications I received from XXXX after cancellation were customer satisfaction surveys, not billing or account notices. 

Unexpected Collection Placement On XX/XX/year>, I received contact from Credence Resource Management stating that I owed XXXX {$150.00}, which had never been communicated, billed, or explained by XXXX at any point before being sent to collections. 
I was shocked to learn that a collection account existed, as I had never been notified of : Any balance Any final bill Any cancellation charge Any intent to send the account to collections Impact and Concern This collection account is now appearing on my credit reports, harming my credit profile and financial standing. The debt is : Not mine to the extent claimed Never communicated to me by XXXX Never billed or itemized Reported months after account closure Unsupported by any documentation from the original creditor This appears to be an improper post-cancellation charge that was never disclosed or presented to me before being sold/assigned to a collection agency. 
Requested CFPB Action I respectfully request that the CFPB assist in : Investigating XXXX failure to provide any notice of a supposed balance before sending the account to collections. 
Reviewing Credence Resource Managements reporting of an unverified and undisclosed debt. 
Ensuring the deletion of this inaccurate collection from my credit reports with all three major bureaus. 
I have documentation showing my cancellation confirmation and the absence of any billing or communication from XXXX between XX/XX/year>, and the date the collection appeared. 

This situation has caused significant frustration, financial harm, and unnecessary damage to my creditworthiness. I am seeking CFPB assistance to resolve this matter and ensure accurate and fair treatment under consumer protection laws. 
Thank you for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Subject : Illegal Re-Aging, Inaccurate Reporting, and Failure to XXXX XXXX XXXX XXXX XXXX Contract Callers Inc. 

Complaint : I am filing a complaint against Contract Callers Inc. regarding a {$680.00} XXXX  XXXX  XXXX collection account that is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The furnisher is reporting an Open Date of XX/XX/year>, even though this account clearly should not have an open date anywhere near XXXX. I can not identify the XXXX XXXX XXXX service address tied to this collection, and Contract Callers has not provided : The service address The service period Billing statements The true Date of First Delinquency ( DOFD ) Proof of responsibility Assignment documentation Method of verification used with Experian Experian marked the account verified despite the missing information. 

Because I can not identify the service address or service dates, and because the account is being reported with an impossible XXXX  open date, this appears to be illegal re-aging, which violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( b ) Failure to conduct a reasonable reinvestigation FCRA 605 ( c ) Prohibition on re-aging of accounts FDCPA 809 Requirement to provide validation upon request XXXX XXXX reporting standards I sent the furnisher a direct dispute under FCRA 623 ( a ) ( 8 ) requesting the correct service address, DOFD, and documentation, but they have not provided anything verifying the accuracy of this account.

I am requesting immediate suppression or deletion of this account from all consumer reporting agencies due to the furnishers failure to validate, failure to provide required identifying information, and the apparent illegal re-aging of the account.

Please have the furnisher provide : 1. The exact XXXX XXXX XXXX service address 2. The service dates 3. Itemized billing statements 4. The true Date of First Delinquency 5. Documentation proving I am the responsible party 6. The assignment agreement from XXXX XXXX XXXX 7. The method of verification used during prior verification with Experian If they can not provide all of these items, I am requesting deletion. 

Thank you. 

Name : XXXX XXXX Account : Contract Callers Inc XXXX XXXX XXXX {$680.00} Reported Open Date : XX/XX/year> Credit Bureau : XXXX

Company response to consumer: Closed with explanation