vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I made a wire transfer of the sum of XXXX to my friend for a business transaction. I had successfully done wire transfers with him previously with no issue. Thirty minutes after sending the wire, my account was placed under investigation and I was unable to access my online account, withdraw cash or use my debit card for any transactions. I called the Fraud Department and was told my account was under a simple 24-48 hour manual review and the issue should be cleared by Wednesday afternoon the latest. On XX/XX/XXXX, I called back 48 hours after my initial first call and the Fraud Department representative told me my account is still undergoing review and I should call back tomorrow. Today, I called the Fraud Department line and was told my account is still under review but is still open. However, around XXXX I tried logging into my Citi account only to find that my Username and Password are now invalid. Upon calling the Fraud Department again, they told me that my account was closed as of yesterday and that they would no longer be servicing my account. Confused, I repeatedly asked if there was a reason as to why my account was closed, and if I could even withdraw some cash at a teller as I had a family emergency that required immediate action. I was rudely declined and was told that my remaining balance would be sent to me via check within the next 30-60 business days. Calling the Citi Executive Response Unit and other departments all resulted in the same boilerplate response, and no option to collect my remaining funds. I am now worried about the state of my money and need an expedited check from Citi or a reinstatement of my account as soon as possible. 

References : Account ending in : XXXX Rough Remaining Balance : {$9300.00}

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
So I had cash app for 8 months, I have spent a lot of money on there I pay my bills and use it daily .. so on XXXX around XXXX XXXX I had someone send me a few dollars .. I went to pay something and it said that my account was locked .. I have been patiently waiting for asset to unlock my account so I can get my money off they'll policy says 24 to 48 hours and I still haven't unlocked my account there's only {$77.00} on and they are keep on messing with me trying to keep my mind so I like to make this complain getting my money back thank you very much XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-14 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:
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 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 XXXXXX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

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 2025-08-14 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I noticed multiple issues with my credit card accounts across several institutions, primarily involving XXXX and JPMCB. On XXXX, I experienced an unexpected charge on my XXXX account with no clear explanation. On XXXX, JPMCB reported inaccurate information to the credit bureau that caused my XXXX XXXX to drop. I also had payment issues on the following XXXX dates : XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX, JPMCB again provided inaccurate data regarding a closed account. Additionally, I encountered problems with a XXXX XXXX transaction dated XXXX, and earlier issues with XXXX on XXXX and JPMCB on XXXX. 

I contacted the companies involved but have not received proper responses or resolutions. I took steps to clarify the disputes, but the companies either failed to respond, responded late, or provided insufficient explanations. These actions have negatively affected my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I noticed multiple issues with my credit card accounts across several institutions, primarily involving XXXX and XXXX. On XXXX, I experienced an unexpected charge on my XXXX account with no clear explanation. On XXXX, XXXX reported inaccurate information to the credit bureau that caused my credit score to drop. I also had payment issues on the following XXXX dates : XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX, XXXX again provided inaccurate data regarding a closed account. Additionally, I encountered problems with a Capital One transaction dated XXXX, and earlier issues with XXXX on XXXX and XXXX on XXXX. 

I contacted the companies involved but have not received proper responses or resolutions. I took steps to clarify the disputes, but the companies either failed to respond, responded late, or provided insufficient explanations. These actions have negatively affected my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
My FTC credit report contains several inaccurate and/or outdated entries that do not belong to me and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). These accounts are either the result of a data breach, are not mine, or are beyond the allowable reporting period. The continued presence of these accounts is causing harm to my creditworthiness and violates my rights under the FCRA. I have spoken with these companies and reached out without being given the desire resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XXXX I received notification my credit limit lowered from {$7100.00} to {$5500.00}. The balance due at the time was around {$5300.00}. Causing an almost 100 % credit usage now while every payment is in good standing plus additional monthly payments towards principal. They took away the cash access for the credit limit that I have never used and that is what lowered the limit. The wife and I simply let it go because we are actively paying it down more before utilizing it more or switching companies. This caused my credit usage to raise. We paid about {$1000.00} down and I received another email stating they lowered the limit again due to what XXXX has reported to them and that CITI made the decision to lower it. I asked for the information they received that caused that decision and they referred me to XXXX XXXX explained that they simply send the soft reports monthly to companies for their own decisions. I also explained their dispute process online is poor from a previous dispute of medical debt I was never aware of from over 5 years ago is now showing on my report. XXXX XXXX XXXX does a pretty good job at it. They referred me back to Citi visa XXXX to speak on my grievances. Citi refused to acknowledge my good standing payments with them, disregarding my dispute over the unknown medical debt that is still in process and left my credit usage at an all time high after being in good standing order for two years. We are actively trying to lower our credit usage and this company is constantly lowering the limit in order to keep my usage high. How can we win with this?

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 2025-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by Equifax Multiple Accounts Dear CFPB, I am submitting this formal dispute regarding inaccurate and misleading information being reported by Equifax for the following accounts : XXXX. XXXX XXXX Reported XX/XX/year> XXXX. Statewide XXXX XXXX Reported XX/XX/year> XXXX. XXXX XXXX Reported XX/XX/year> These accounts are all closed with a {$0.00} balance and should accurately reflect Paid in Full and Paid as Agreed. However, Equifax is incorrectly showing : 100 % left to pay on this loan despite the balance being {$0.00}. 
XXXX % of payments made on time or missing payment history despite all payments being made on time before account closure. 
Warning indicators for every month of payment history without any late payments or delinquencies. 
Included in Bankruptcy status when the accounts were satisfied and closed. XXXX has deleted bankruptcy as unverifiable. 
This reporting is factually inaccurate and harmful to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all reported information is accurate, complete, and not misleading. The current reporting fails to meet that standard. 
I have contacted Equifax to correct these errors, but they remain unresolved. I request the CFPBs assistance in compelling Equifax to : Remove or correct the false 100 % left to pay notation. 
Correct payment history to reflect on-time payments. 
Remove unwarranted Warning indicators. 
Remove the Included in Bankruptcy remark from accounts that were paid and closed in good standing and delete bankruptcy from my credit report due to XXXX has deleted bankruptcy as unverifiable. 
Enclosed are supporting documents, including statements and payment confirmations, showing these accounts have a {$0.00} balance, were paid in full, and had all payments made on time. 
Thank you for your prompt attention to this matter. Please provide written confirmation of receipt and any updates regarding the investigation and resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Details of the Complaint A Federal Family Education Loan Program ( FFELP ) disbursement was received on XX/XX/XXXX, despite the absence of a valid Master Promissory Note ( MPN ) in federal or school records. The only MPNs on file are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all for Direct Loans, which can not legally authorize a FFELP loan. 
The financial aid office at XXXX XXXX XXXXwas contacted on XX/XX/XXXX, and they confirmed the inability to locate an XXXX for this specific loan, directing the individual to StudentAid.gov. 
This situation violates federal law, including : * 34 CFR 685.201 : A completed MPN is required before a loan can be disbursed.

* 34 CFR 685.206 ( e ) : This regulation allows a borrower defense to repayment if a loan is made in violation of federal law.

* 34 CFR 674.16 : A student must sign a promissory note before the first disbursement. 
Despite these violations, the loan was disbursed, later consolidated, and is currently serviced by Nelnet, which continues to collect payments on a debt the complainant believes is non-enforceable. 
Actions taken : * A Borrower Defense to Repayment claimrelated to this issue was filed.

The FFELP loan was disbursed on XX/XX/XXXX. A thorough review of federal and school records confirms no valid FFELP MPN exists for this disbursement. The only MPNs on file are for the Direct Loan Program, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are after the XX/XX/XXXX, disbursement and the FFELP program 's end on XX/XX/XXXX. A Direct Loan MPN can not authorize a FFELP loan because the programs are legally distinct. 

Company Information * Company Name : Nelnet Loan Servicing * Website : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am hereby requesting that you cease all communication with me regarding the alleged debt you claim I owe. 

Please be advised that any further contact from your office other than to confirm you will comply with this request, or to inform me of specific legal action, will be considered a violation of the FDCPA. 

Additionally, I request that you do not contact me at my home, work, or through any other means, including phone calls, letters, emails, or text messages. 

Failure to comply with this request will be documented, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and other appropriate authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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