vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Apparently someone got a hold of my Citibank debit card number and made XXXX purchases at XXXXXXXX XXXX XXXXXXXX on XX/XX/year> for {$250.00} each for a total of {$1000.00}. On the same day, three deposits were automatically credited to my account which I assume was because Citi detected fraud but I can't be certain. I noticed the charges on XX/XX/year> and called Citi to report them as fraudulent and my account was temporarily credited {$500.00} but was later reversed. I called a number of times and opened several cases but made no progress. On one of the calls I was told to submit a formal dispute via fax which I did twice. The charge history is attached. As can be seen, in the end we lost a total of {$700.00}.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves these accounts was late. XX/XX/year> was paid on time and 90 days late on XXXX. On one of the credit reports you have XXXX paid on time and XXXX 120 days late. This is clearly inaccurate. If you can not provide me with this information in 15 days update these accounts to Paid/Never late and send me a copy of my updated credit report.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX represents Bank Of America.The law firm, nor Bank of America, sent me a validation notice regarding the debt.XXXX XXXX is my debt relief company.Since XX/XX/2025, XXXX XXXX was aware that the debt acquired with Bank of America was sent to a law firm.I never received a validation notice from Bank of America ; only the statements.They are not validation letters.

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 2025-11-15 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings. 
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-11-15 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. On XX/XX/year> it was paid on time but saying 30 days late for XX/XX/year>. On one report it is reported as paid on time for XX/XX/year> and 90 days late for XX/XX/year>. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XX/XX/year>. Im now requesting you investigate this account and update these payments to Paid on time/Never late immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing this complaint because Kia Finance XXXX is inaccurately reporting information to the credit bureaus regarding an auto loan account ( Account XXXX. XXXX ). The information they are furnishing is incorrect, inconsistent, and harmful to my credit profile. 

The account shows : A charge-off of {$31000.00} A past-due balance of {$18000.00} as of XX/XX/year> Conflicting reported dates, balances, and payment history Status updates that do not match my records A balance that continues to be reported incorrectly even after the account was closed Reporting inconsistencies between charged off, written off, and past due, all applied to the same account at the same time Inaccurate responsibility classification ( listed as joint when it is not ) Under the Fair Credit Reporting Act ( FCRA ), information furnished to the credit bureaus must be accurate, complete, and verifiable. Kia Finance America has failed to comply with this requirement. 

I am requesting : 1. A full investigation into Kia Finance XXXX reporting practices for this account 2. Correction or deletion of all inaccurate information 3. Confirmation that Kia Finance XXXX  verifies ONLY accurate and complete information 4. Any documentation they allegedly used to validate the reported information The ongoing inaccurate reporting is causing direct harm to my creditworthiness, financial opportunities, and personal financial stability. I am requesting CFPB assistance in resolving this matter and ensuring accurate reporting under 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-15 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: IL

Complaint narrative:
I had no knowlege of these fraudulent inquiries nor did I authorize them. 

XXXX. XXXXXXXX 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 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a care credit account with synchrony bank with a credit charge of {$3700.00}. The loan was interest free for 12 months. The bank charged me an interest fee of {$1100.00} and added the interest fee before the 12 month maturation date. I have been noticing that for the entire year of XXXX and XXXX, my account has been deadlocked at {$2800.00}. I was sent another credit card and a credit account was opened without my permission. I requested the bank to provide me information on how my interest payment was being calculated every month and how much of my monthly payment was paying towards completing the interest fee so that the principal can receive funds for payoff. I was informed that my interest rate was being charged daily and was not provided a payoff maturation date for the interest charge and that Im not paying off the interest at all. I was told that I will stop seeing interest accumulate when I make a one time payment to pay the loan in full even though I have been making monthly payments faithfully since XXXX. I have been trying to pay off the loan for two years now but the loan has been deadlocked to charge me interest daily. I have made an attempt to have the account charged as paid in full but was denied to speak to a corporate head to resolve the issue to dispute the charge. I believe that the bank in scamming me through the unrest payments so that I can never pay the loan off.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Opened a TD Bank Business Checking account. Terms included a {$500.00} bonus if account balance of {$500.00} was maintained for 90 days and 25 transactions were performed. I met criteria and they are stonewalling me on why they are not paying the bonus. Sent them multiple messages by secure mail and they just keep saying they are " researching the matter ''. How long does a major bank take to research a simple matter. I would say that 15 days is sufficient time. It appears to me that they have a very bureaucratic organization. I'm sure it's not malicious, but they have very poor business practices. Below are the terms : TD Bank is offering a {$500.00} bonus when you open a new business checking account and complete the following requirements : Deposit a minimum of {$2500.00} within the first 25 days and maintain at least a {$2500.00} balance for 90 additional days from the XXXX day after account opening.

Conduct 25 qualifying transactions across the first 3 statement cycles ( ACH debits/credits, bill pay , Merchant Solutions settlement transactions, incoming/outgoing wires, checks paid, small business XXXX transactions, XXXX XXXX Debit card transactions , XXXX XXXX XXXX deposits , and settlement transactions for TD Online Accounting or XXXX on XXXX payments received )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Round Up Ventures, L.P.
State: MI

Complaint narrative:
My credit file contains fraudulent negative accounts and unauthorized/duplicate hard inquiries as a result of the XXXX Data Breach ( Ref # XXXX ). 
Despite submitting an FTC Identity Theft Report and invoking my rights under FCRA 605B, the credit bureaus continue to report these items and rely on automated EOSCAR " verified '' responses instead of conducting a reasonable reinvestigation as required by {$610.00}. Relief Requested : Delete all fraudulent negative accounts. Delete all unauthorized and duplicate hard inquiries. Provide written confirmation that these items that these items have been permanently blocked and that no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). Failure to comply will result in further escalation and leaal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I paid off my auto loan with Bridgecrest in full on XX/XX/year>. The payoff amount of {$21000.00} was successfully withdrawn, and I have written confirmation from Bridgecrest acknowledging the scheduled payment. Immediately after the payoff, Bridgecrest deleted my account, and I can no longer access any loan information or documentation.

I urgently need the payoff confirmation letter to complete my mortgage closing, which is time-sensitive. Bridgecrest has failed to provide this document even though I have : Called customer service and confirmed payoff on a recorded line Provided multiple proofs of payment Emailed formal written requests Sent a final notice requesting the payoff letter within 24 hours Contacted the Executive Resolution Team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting a complaint regarding inaccurate and fraudulent reporting by XXXX XXXX XXXX related to an auto loan. 
On XXXX, XXXX emailed me stating that the auto loan balance had been charged off in the amount of {$10000.00}. Under federal law ( 26 U.S. Code 6050P ), when a lender charges off a debt over {$600.00}, they are required to issue a 1099-C Cancellation of Debt form. XXXX never issued a 1099-C, which is a violation of IRS reporting requirements and creates legal and tax inconsistencies. 
Despite the charge-off notice, XXXX continues to report the account as delinquent on my credit report with a different and inaccurate balance of {$10000.00}, which does not match the charge-off amount they previously provided. This is a violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require accurate, consistent, and verifiable reporting. 
This account is being reported inaccurately in several ways : Reporting a different balance than the one stated in the charge-off notice. 
Reporting the account as open and delinquent even though it was charged off. 
Failure to issue a 1099-C, which is required by law. 
Failure to report accurate, complete, and verifiable information as required by FCRA 623. 
Due to these errors, the account appears fraudulent and materially harms my credit. 
I am requesting : Immediate investigation Removal of the inaccurate trade line Correction of all reporting Confirmation of whether the loan was legally charged off Issuance of a 1099-C if XXXX maintains that the debt was charged off All documentation is attached, including the charge-off notice and screenshots of the inaccurate reporting.

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 2025-11-15 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: AR

Complaint narrative:
I am submitting a complaint regarding inaccurate and fraudulent reporting by XXXX XXXX XXXX related to an auto loan. 
On XXXX, XXXX emailed me stating that the auto loan balance had been charged off in the amount of {$10000.00}. Under federal law ( 26 U.S. Code 6050P ), when a lender charges off a debt over {$600.00}, they are required to issue a 1099-C Cancellation of Debt form. XXXX never issued a 1099-C, which is a violation of IRS reporting requirements and creates legal and tax inconsistencies. 
Despite the charge-off notice, XXXX continues to report the account as delinquent on my credit report with a different and inaccurate balance of {$10000.00}, which does not match the charge-off amount they previously provided. This is a violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require accurate, consistent, and verifiable reporting. 
This account is being reported inaccurately in several ways : Reporting a different balance than the one stated in the charge-off notice. 
Reporting the account as open and delinquent even though it was charged off. 
Failure to issue a 1099-C, which is required by law. 
Failure to report accurate, complete, and verifiable information as required by FCRA 623. 
Due to these errors, the account appears fraudulent and materially harms my credit. 
I am requesting : Immediate investigation Removal of the inaccurate trade line Correction of all reporting Confirmation of whether the loan was legally charged off Issuance of a 1099-C if XXXX maintains that the debt was charged off All documentation is attached, including the charge-off notice and screenshots of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
During the initial purchase in XXXX I was not informed of a promotional plan. I made payment consistently, but my balance continued to increase. I called several times to speak with agents and no one could explain why my bill increased. I was final told on nov. XXXX XXXX that I had lost a promotion, accruing an increase interest, and a XXXX late fee monthly. Now I have exceeded my original credit limit! Please help

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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AE

Complaint narrative:
I am filing a complaint regarding an undelivered product from XXXX XXXX  and PayPals refusal to honor Buyer Protection. I purchased XXXX scooters under XXXX # XXXX, but only XXXX was delivered. The second scooter ( XXXX XXXX, dispute amount {$2500.00} ) shipped via XXXX under tracking number XXXX was never delivered, yet XXXX falsely marked both items as delivered using the UPS tracking number for the first package ( XXXX ). XXXX admitted in writing on XX/XX/year>, that the XXXX package was lost and that their XXXX frequently loses shipments, but they have still not issued a refund and attempted to charge me for shipping for an item that never arrived. PayPal denied my claim despite clear evidence of non-delivery, merchant admission, and lack of valid proof of delivery. I am requesting CFPB assistance to obtain a full refund of {$2500.00}, prevent any improper shipping charges, and require PayPal to re-evaluate the case according to Buyer Protection standards.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was a victim of bank account takeover, mail theft of a debit card, unauthorized withdrawals. CHASE canceled a debit card I did not cancel, issued a debit card I did not request, and allowed cash withdrawals on one of their ATMs with a stole debit card

Company response to consumer: Closed with explanation