vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXExperian\XXXX XXXX XXXX XXXX XXXX   YOUR EMPLOYEE - SCAMMER\n\nTo Whom it May Concern:\n\nOXXXX XXXX XXXX XXXX XXXX  contacted your office in regards to some questions on my credit report.  I called your XXXX  number and spoke to XXXX XXXX  who was very kind and I thought helpful.  However, when I questioned why my XXXX  report states a score of XXXX  and Experian is a score of XXXX, he explained. It was most likely that one credit card was charged over the XXXX ideal amount on a credit card.  He also stated that the score would remain that way for XXXX  years.\n\nHe, however, told me that if I pay an amount just under $XXXX  and give him the credit card information that the Consumer Information Bureau would remove anything that was holding back my credit score within 14 days.  He provided his personal work phone number which was XXXX XXXX XXXX XXXX XXXX XXXX   I told him I did not have my cards with me at the time and he told me to call back in XXXX  minutes.  \n\nI looked up the Consumer Information Bureau online and found that this is a total scam. And to never pay anyone upfront claiming they cant clean your credit for money upfront and the Consumer Information Bureau does not do this.\n\nIm now very concerned that XXXX XXXX XXXXow has access to my credit and personal information and what might happen to my credit standing.  I am contacting the FTC at XXXX  I will also forward the FTC a copy of this letter. .  I would like you to investigate this employee and write to me as soon as possible to ensure that my credit is in safe hands and to deal with this employee as I did contact Experian through their official phone number so he must work for you.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXI am filing this complaint because the consumer reporting agency has failed to correct multiple inaccurate addresses on my credit file, despite my prior dispute sent on or about XXXX XXXX XXXX My credit report still contains errors concerning both my current and previous residences, which is negatively affecting my file integrity. \nI am demanding an immediate investigation to remove the following three inaccurate addressesXXXX 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

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 2025-10-01 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Experian is still not reporting accurately. 
Experian asks for documents however, their online upload system has never worked in the last 8 months of me trying to send them documents. Even through email. 

Nor does their score or accounts, personal information, and inquiries match what is on Transunion and Equifax. My score on Experian is XXXX. 
My score on Transunion is XXXX. My score on Equifax is XXXX. My score on XXXX is XXXX. 
This is a clear violation of the law Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 ( c ) ( 2 ).

I have already filed identity theft reports with both the FTC and the CFPB, and I demand immediate removal of this fraudulent, derogatory account. Under 1681 ( c ) ( 2 ), credit reporting agencies are legally required to block and delete information that a consumer identifies as the result of identity theft, upon receipt of an identity theft report.

The following account must be removed in its entirety : False names and address. 
False inquiries due to fraud - XXXX, XXXX XXXX inquiry came in last night and was reported to XXXX. XXXX immediatley. 
False payment reporting - XXXX was never 30 days late. 
Inaccurate reporting - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and needs to be removed.

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 2025-10-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/year>, Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and request an investigation into XXXX, Citizens Bank, XXXX accounts appearing on my credit report that do not belong to me. These accounts were allegedly opened during a period in which I was incarcerated, making it impossible for me to have applied for or used any credit during that time. 

Specifically, I was incarcerated beginning in 2016 and remained in custody until my release on XX/XX/XXXX, XXXX total of XXXX years. The collections reported on my credit file were opened during this timeframe of XXXX. Since I was not physically able to open or use any credit accounts while incarcerated, I know these accounts are the result of fraud and/or identity theft. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having these fraudulent collections removed from my credit file. I am also willing to provide documentation of my incarceration to support this claim. 

This situation has caused me significant hardship as I attempt to reestablish myself following my release. I need to ensure that my credit report accurately reflects my history and is not burdened by debts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On my consumer credit reports, there are multiple derogatory, delinquent, and collection accounts being reported that are inaccurate, unverifiable, and have not been validated as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681s-2 ), and applicable consumer protection laws. Despite my disputes, the reporting agencies and furnishers continue to maintain these items without providing proper documentation. 

XXXX Accounts ( Derogatory ) : XXXXXX/XX/XXXX) {$270.00}, reported as collection/charge-off with no validation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) {$1400.00}, reported as collection/charge-off with no validation. 

XXXX Accounts ( Derogatory/Delinquent ) : Tower Loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXance {$1700.00}, marked late/derogatory. 
Tower Loan XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXed XX/XX/XXXX, reported as collection/charge-off, {$2400.00} past due. 

Revolving Accounts 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 None of these negative accounts or inquiries have been validated with : 1. An original signed contract or agreement, 2. Itemized accounting of the alleged balances, 3. A complete chain of assignment showing ownership, 4. Verification of licensing to collect in my state, or 5. Proof of permissible purpose for inquiries.

Reporting unverifiable and inaccurate information is a violation of both the FDCPA and the FCRA. The continued furnishing of these items without validation constitutes willful noncompliance.

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 2025-10-01 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: CA

Complaint narrative:
I am writing to demand immediate action regarding the unresolved return of funds from our closed business account under XXXX XXXX XXXX XXXX XXXX. To date, Citibank has failed to release the remaining balance of {$34000.00} USD, despite repeated promises and despite our full compliance in providing the requested documentation. If the bank have any excuse not giving back my money, please give me the reason and proof. 


Timeline : XX/XX/XXXX Account Opening : Our account was opened under XXXX XXXX XXXX XXXX XXXX. At no point during the account opening process did Citibank request or raise any issue regarding a XXXX certificate. The account was approved and operated without issue. 

XX/XX/XXXX Account Blocked : The account was suddenly blocked. We were told the matter would be resolved within 3060 days. 

XX/XX/XXXX Account Closed : The account was closed, and Citibank stated that a refund check would be issued. 

After Closure : No refund check was received. 

Later Excuse : We were later told XXXX XXXX is not your company as the reason for withholding funds. It also has been a year we dont get any information that they need a XXXX  for XXXX XXXX. This is inaccurate and misleading, since XXXX XXXX is our registered XXXX under XXXX XXXX, and no such objection was raised when the account was opened. 

XX/XX/XXXX XXXX Submitted : Your branch XXXX, XXXX XXXX XXXX, confirmed receipt of our DBA documentation. Despite this, Citibank has continued to withhold our funds.

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 monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: TX

Complaint narrative:
Approximately two years ago, I enrolled in XXXX XXXX XXXX aligner plan and made payments as required. The treatment was not completed due to XXXX XXXX XXXX bankruptcy, preventing re-treatment for not completely aligned teeth. Their advertised lifelong smile guarantee was not fulfilled. TekCollect sent emails on XX/XX/XXXX, and XX/XX/XXXX, claiming an outstanding balance. Neither email provided a validation notice, payment deadlines, or settlement offers, as required by FDCPA ( 15 U.S.C. 1692g ). During phone calls around those dates, a representative verbally offered a XXXX XXXX settlement but refused to confirm this in writing despite my requests via phone and email. Due to the lack of written confirmation, I suspected the calls could be fraudulent and did not pay. I recently discovered the debt was reported to credit bureaus, causing a significant credit score drop. This is distressing as I have an excellent payment history on all other obligations. No written notice of intent to report or deadlines ( e.g., XX/XX/XXXX ) was provided, violating FDCPA rules. Why This Is a Problem : The debt is invalid or overstated because XXXX XXXX XXXX failed to deliver the promised service due to their bankruptcy. TekCollect has not provided written validation, including proof of the original agreement, payment history, or their authority to collect. Reporting a disputed debt to credit bureaus without proper notice or noting the dispute violates FDCPA and has harmed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-01 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX {$920.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$620.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$680.00}

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 explanation
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I paid off my student loans with Mohela. I qualified for PsLF so my loans were discharged and account brought to zero. I actually overpaid so they owe me over XXXX XXXX In XX/XX/XXXX, Mohela stated they issued my refund. Its XX/XX/XXXX and I still havent received it. I have been in contact with them nonstop since last November, each time they transfer me to a supervisor who escalates my case and then I call back and am told nothing ever happened with my case and they do not know why my refund has not gone through. I desperately need this money. I even reached out to my local state representative to contact them on my behalf and they are given the runaround like I am.

Company response to consumer: In progress
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Around XX/XX/year>, I inquired on refinancing my XXXX auto loan with Capital One. I was given a reference number and told I was required to send my title in if I wanted to proceed. I decided not to proceed so didn't send anything in or speak with anyone. On XX/XX/year>, I logged into my Capital One App to check my credit cards and saw an auto loan listed with a due date of XX/XX/year>. This resulted in a hard check on my credit report also. I looked at my acocunt with my original bank and at that time still owed my loan there. When I called Capital One, they stated they had a conference call with my bank without me to obtain my title and processed the loan without my consent because of my inquiry. The only communication I received after the intital inquiry was an email on XX/XX/year> stating they still needed my documents. I didn't send them because I was told if they didn't receive them by XX/XX/year>, they would just close the inquiry with no further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Macys in the amount of XXXX dollars I believe. I also mailed in the police report and also a document saying that Im a victim of identity theft

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