vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Thursday XX/XX/XXXX : Received a text message asking if a charge was valid. I replied " NO ''. This is a credit card that I don't use actively and only have a balance transfer on it that I'm paying off. 

Friday XX/XX/XXXXXXXX  : I checked my credit card transactions and noticed that there have been fraudulent transactions dating back to XX/XX/XXXX. I filed the card as stolen via the website and checked off all fraudulent charges for dispute. I accidentally omitted one fraudulent charge so I called customer service to make an amendment. They said that I would need to call the Security Dept to make changes since the investigation has begun. However, they also said I would need to wait 24 hours before I called. Seeing as this was a Friday. I had to wait until Monday. 

Monday XX/XX/XXXXXXXX  : I called the Security Dept and they assured me that they would make the changes so that the charge I left out would be included. They asked me a series of questions, most notably : " Do I have to card in possession? '' ( Yes ) " Have I lent or authorized anyone else to use the card? ( No ). They told me to wait for updates on the investigation. 

Wednesday XX/XX/XXXXXXXX  : I went to check on the fraud dispute because I haven't received any updates. ( I wasn't aware that I was supposed to check the fraud center on the website for updates. ) I saw that the fraudulent charge I accidentally omitted was still undisputed so I called the Security Dept again. The Citi rep told me the case was closed since XX/XX/XXXX because they deemed it was not fraud since the card was in my possession. I asked them to reopen the case and then to escalate it. I had already explained in my phone call to them on XXXX that I had the card in possession, but I have no idea how it could have been used since it was physically with me. I am sending evidence from my XXXX XXXX  timeline history that I could not have made the purchases since the timestamp shows me at another location.

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 2025-07-09 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: AR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} INQUIRIES : 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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX XXXX XXXX I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
BANK XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BANK XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX 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 XXXXXXXX. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 2025-07-09 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: SC

Complaint narrative:
I filed a prior identity theft complaint under FCRA 605B and submitted all required documentation to Experian. Despite this, the company responded that the accounts were " verified '' without providing any supporting documentation or the method used to verify.

Per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the credit bureau must provide : 1. The name, address, and contact information of the furnisher.

2. A description of the method used to verify the information.

3. Documentation used during the reinvestigation. 

I am requesting that the CFPB ensure Experian provide this verification information immediately or remove the disputed items, as failure to do so is a violation of the FCRA.

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 2025-07-09 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX / XXXX XXXX, XXXX. / XXXX XXXX filed a court case involving XXXX XXXX ( myself ) owing {$14000.00} to XXXX XXXX. I contacted the company portfolio recovery and they said that a XXXX XXXX account was open since XXXX. Since then I havent been involved with any purchases that put me in a position making me owe {$14000.00}. Not until recently XXXX, there has been fraudulent activity involving my name saying that I made purchases which had never happened. All of a sudden the court case was opened and the judge involved approved it without any notice of debit owed. XX/XX/XXXX XXXX XXXX XXXX law firm Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, came into my bank account and seized all my assets and froze my account. Today in XX/XX/XXXX, and they have still frozen my account. I reached out to XXXX XXXX XXXX asking about more information about how much a verification of the debit, and by who. They wouldnt tell me much information besides who to contact for more details. So they sent me to portfolio recovery, when I talked on the phone with them XXXX XXXX  I requested a letter of validation. In their record it shows that they requested it and they told me to wait 10-15 business days for it to be mailed in. I called back again XX/XX/XXXXXXXX  to confirm the letter of validation just to find out that they never mailed it to my location and said that it was outside the period of validation. So to find further details on the matter, I asked when was the charge made, where, when did the validation period end, why was I not given notice of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
How come there was no information provided about what happened? 
After asking for more details they said that the account was opened in XXXX  with XXXX XXXX, and that all the information they could give me. 

So from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not been able to make my auto payments for my mortgage, car notes, insurance, food, gas, and on top of that I couldnt receive any money from my work. The more I ask for information over the subject the more I dont knows Im hearing from the companies and law firms that took everything from me and my family. 
Please I am begging, can I get some help over the matter. When I checked my social security account I noticed there are phone numbers and address on there that I have no involvement in along with accounts opened that Ive never heard of. 
I strongly believe that my identity has been stolen and been used creating all this hardship on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I opened the Chime banking app and received a notification that my account would be closing on XX/XX/XXXX. I called to speak with a representative and he could not provide me a reason of why it would be closing. I dont use my account that much and have had it since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXXXXXX  Halsted Financial Services Subject : Request for Debt Validation Dear Halsted Financial Services, I am writing to request validation of the debt you claim I owe, as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. A copy of the original signed agreement that verifies my obligation to pay this debt.

4. Proof that you are licensed to collect debts in my state. 

Please consider this letter a formal request for validation of the alleged debt. Until such validation is provided, please cease all collection activities, including reporting this debt to credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

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

1681c-2 ) that you, the Equifax Information 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 XXXXXXXX XXXX XXXX  FL XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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.

1681c-2 ) that you, the Equifax Information 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 PXXXX XXXXXXXX GA XXXX ACCOUNTS XXXX XXXX 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} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Factual Dispute of Inaccurate Information on My Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report prepared by TransUnion. The report was generated on XX/XX/XXXX, under my name, XXXX XXXX XXXX. After reviewing the report, I found the following accounts to contain errors that require immediate correction or removal under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX  Inaccuracy : The account is listed as Open with a balance of {$180.00}, and it is marked as Placed for collection. However, no payment history is available, and the listing lacks substantiating detail to verify its legitimacy. I have no knowledge of this debt, and the account status contradicts itself by being both Paid Off : 0 % and having an open balance. Requested Action : Please investigate this account and provide documentation verifying the debt and account status. If verification is not possible, I request that this item be deleted from my credit file. XXXX. XXXX XXXX University Inaccuracy : This entry is also marked Open account and Placed for collection with a balance of {$550.00}, yet no payment history or terms are disclosed. I have never authorized XXXX XXXX University to report to credit bureaus or consented to collection activity. Additionally, the debt is questionable in origin, and no supporting documentation or validation was ever provided to me. Requested Action : Please provide a full validation of this debt including original agreements or billing statements. If the account can not be verified with supporting evidence, I request that it be deleted immediately from my report. Under the FCRA, you are required to conduct a reasonable investigation of my dispute and respond within 30 days. If the accounts can not be verified or proven accurate, they must be removed from my credit report. Please send the results of your investigation in writing to the address listed above. I am also requesting that a corrected copy of my credit report be sent to me once the investigation is completed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Keep sending dispute online at TransUnion can't speak to a real person only chat and text messages. I am XXXX and don't like all this back-and-forth texting XXXX. I can't really clear up my report information without speaking to a rep and nobody is helping, nor do I know what my credit score is from Trans Union the other credit reporting agency answers the phone and help you with the problem and take things off of there for you. TransUnion sucks and I want someone from the agency to help me with clearing up this old and some current wrong information. Its hurting my 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 2025-07-09 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: AZ

Complaint narrative:
Im filing this complaint because Ive identified several collection and charge-off accounts appearing on my TransUnion credit report that are either outdated, unverifiable, settled, or reflect a balance of {$0.00} but are still being reported in a derogatory manner. I have already disputed these items directly with TransUnion, and yet they continue to be reported with no meaningful investigation or correction. 

Among the accounts in question are 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 Several of these were resolved in full or settled, while others are reporting {$0.00} balances but are inexplicably still marked as charged off or derogatory. This kind of reporting is not only misleading, but it actively harms my credit profile without just cause. 

What I find especially concerning is that under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to maintain accurate and complete information. The relevant section 15 U.S.C. 1681e ( b ) places the obligation on the credit bureau to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The continued presence of these accounts in their current form, after I have initiated disputes and provided documentation where applicable, shows a complete failure to comply with that obligation. It appears that TransUnion has either not conducted a proper reinvestigation as required under 1681i ( a ) ( 1 ) ( A ), or is relying on automated verifications with furnishers who themselves are reporting flawed data. That is unacceptable. 

These derogatory accounts are making it nearly impossible for me to move forward financially. I've faced rejections on apartment applications, denials for credit cards and personal loans, and embarrassing questions from potential lenders about debts Ive already addressed. The stress and time wasted trying to correct something that shouldn't have been inaccurate to begin with is infuriating. I take pride in maintaining a responsible credit profile, and I'm being unfairly penalized due to TransUnions failure to ensure that its reporting system reflects the truth.

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 2025-07-09 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: GA

Complaint narrative:
My information was leaked in data breech from all 3 credit reporting companies

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 2025-07-09 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: GA

Complaint narrative:
My information was leaked in data breech from all 3 credit reporting companies

Company response to consumer: Closed with explanation