vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I am writing to raise serious concerns about multiple inaccuracies and fraudulent information on my credit report. Ive found accounts I dont recognize, unauthorized inquiries, and incorrect personal and billing data. These issues are harming my credit standing and financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am writing to formally express my frustration and disappointment with Citibank for forfeiting my XXXX points without proper notification. I have been a loyal customer, holding both the Citi XXXX and Citi XXXX ( XXXX number using with XXXX ) : cards for many years. Both cards earned XXXX points, which were combined into a single XXXX account. It is my understanding that these points should not expire as long as at least XXXX card remains active. Earlier this year, I decided to close my Citi XXXX account. During the account closure process, the Citibank representative did not mention that this would result in the forfeiture of my XXXX points. Additionally, I received no email, mail, or text notification alerting me of this critical detail. Today, more than {$4000.00} ( XXXX points ) had vanished without warning. Upon contacting Citibank customer service, I was informed that the points were forfeited due to the account closure. However, this forfeiture was not communicated to me during the closure process or at any point prior to the expiration of the points. I find it unacceptable for a bank of XXXX stature to omit such important information and fail to notify customers about impending forfeitures. The lack of communication is both unethical and unprofessional. The forfeited points are not a trivial amount ; they represent significant value, XXXX than {$4000.00}. I believe Citibank has failed to uphold its responsibility to provide clear and timely information to its customers, especially regarding critical account changes and potential forfeitures. This has caused me tremendous frustration and financial loss. I urge Citibank to address this issue promptly, provide compensation for the forfeited points, and ensure that other customers do not face similar situations in the future.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-22 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-22 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: VA

Complaint narrative:
Im writing to dispute an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act. The information does not meet the standard of maximum possible accuracy, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Equifax has not updated my report to reflect the XXXX  card has never been passed due and is reporting a XXXX  day late apparently they have not read the entire letter from XXXX  stating that fact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX dollars are stuck in my Venmo account. I tried to withdraw XX/XX/XXXX but then Venmo closed my account and is holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I voluntarily turned in 2 vehicles, the vehicles were sold and the outstanding balance was covered by the sale of the vehicles at auction. The companies charged off my debt after selling the outstsndjng balance to debt collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
Ive discovered multiple errors on my credit report, including accounts I dont recognize, unauthorized inquiries, and inconsistent information. These inaccuracies are impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Urgent Dispute : Unauthorized Macys Credit Card Application and Misrepresentation To Whom It May Concern, I am writing to formally dispute the unauthorized opening of a XXXX credit card account under my name, and to report misleading sales practices at one of your store locations. 

On XX/XX/XXXX, at around XXXX PM, while shopping at XXXX, a store associate offered me a 40 % discount if I provided my Social Security Number. I specifically asked whether this involved applying for a credit card, and she clearly told me no that it was only to get the discount. 

After entering my full SSN, I later discovered that a XXXX credit card was opened in my name, and a hard credit inquiry was made without my informed consent. 
To make matters worse, the promised 40 % discount turned out to be only 10 %, which is a clear case of misrepresentation. 

I did not agree to open a credit card, and I was intentionally misled by the store associate. 

I am requesting the following actions : 1. Immediate closure of the XXXX credit card account ; 2. Removal of the hard credit inquiry from all major credit bureaus ( XXXX XXXX XXXX ) ; 3. Written confirmation of the account closure and credit inquiry removal ; 4. Internal investigation into the store associates actions. 

If this issue is not resolved promptly, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of birth : XX/XX/XXXX Phone : XXXX Email : XXXX Address : 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 non-monetary relief
Consumer complaint received 2025-05-22 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-22 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: TX

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 2025-05-22 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: MS

Complaint narrative:
i am sending another dispute to XXXX  card about reporting inaccurate late payment reporting on my credit report, in which i was never 30 days late, per 15 usc 1666b and 15 usc 1637a states that i have to receive a notice 21 days before any alleged late payment notice in which i never received. they never re-investigate this matter and violated the fcra of 15 usc 1681s-2 ( b ) .I am also requesting a chain of title which include the forward flow agreement of every company that is involved.I am also sending a dispute to equifax for inaccurate reporting information that should have been deleted from my credit report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
THE DEBT IS NOT MINE! THIS ACCOUNT DOES NOT BELONG TO ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am disputing a collection account reported by Contract Callers Inc. for {$1800.00}. I do not recall opening or owing this debt, and I have not received proper documentation verifying its validity. 

I submitted a dispute with the credit bureaus, but the item remains on my credit report without any verification from the furnisher. Contract Callers Inc. has not provided details such as the original creditor, account history, or documentation proving I am legally responsible for this debt. 

The continued reporting of this collection account without verification is damaging to my credit and in potential violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
the car seller illegally forged signatures during the pandemic for me obtain car, forged the signatures of a co buyer and myself I only had the vehicle to drive and test out later the institution was closed because of pandemic and I couldnt return

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 2025-05-22 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: Cascade CISS Holdings, LLC
State: WA

Complaint narrative:
On or about XX/XX/year>, a hard inquiry from XACTUS LLC appeared on my XXXX  credit report. I have no relationship with Xactus LLC, have never knowingly interacted with this company, and have no knowledge of any credit applications that would have involved or authorized them to access my consumer report. 

This inquiry was made without my knowledge, consent, or any verifiable permissible purpose, and is therefore a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which allows access to credit reports only with explicit consumer authorization or a documented business purpose.

I have not received any disclosures, applications, or notices that would justify this inquiry. I suspect this may be the result of unauthorized third-party activity or improper data access by a lender or broker who submitted my information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tesla, Inc.
State: FL

Complaint narrative:
I applied for a Tesla lease and submitted a {$6900.00} trade-in. Without asking me how much I wanted to apply toward the down payment, Tesla issued a lease agreement that applied the entire trade-in amount to the down payment.

I reviewed the offer and immediately contacted Tesla to say that no one had ever asked me how much I wanted to apply, and that I did not approve the structure shown. I specifically requested the lease agreement be revised to reflect a lower down payment. 

However, I later noticed that the original lease agreement which I had not approved or signed was marked as Confirmed inside the Tesla app. I did not authorize this confirmation, nor was I informed it would be processed in this way.

Even more concerning, if I had not personally checked the lease details and identified the discrepancy, this systemic issue would likely have gone unnoticed and uncorrected by Tesla. That raises serious concerns about transparency and internal control over customer financial agreements.

When I called Tesla again, a representative told me they needed to switch to a different lender to generate a corrected offer but that I would need to first confirm the original lease offer to trigger the change.

At no point did anyone inform me that switching lenders would result in a second hard credit inquiry on my credit report. I never authorized this second credit pull, nor was I made aware of the consequences. 

To summarize : Tesla unilaterally applied the full {$6900.00} trade-in toward the down payment without consent Tesla marked the lease agreement as confirmed without my authorization Tesla required me to confirm the incorrect offer in order to switch lenders Tesla did not disclose that switching lenders would trigger another hard credit inquiry I am requesting a formal investigation into Teslas handling of lease agreement structuring and lender communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: U.S. BANCORP
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-22 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 BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND TRAFFICKING. 

Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation