vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
Citibank responded on XX/XX/year> through their Office of the President ( Citi Reference # XXXX ), but they failed to address my request for proof of authorization, disclosure records, or consent verification. Their letter only contained generic statements that an application was submitted online, without providing any supporting documentation, timestamps, or evidence of my identity being used to apply.

I submitted a follow-up response through the CFPB portal asking Citi to provide documentation of the digital application record, IP address, and screen capture of terms shown at the time of submission. Citi never replied to this follow-up or provided any verifiable proof.

At this point, Citibank continues to report the account and the associated TransUnion hard inquiry dated XX/XX/year>, despite lacking evidence that I authorized the application or agreed to the cards terms. This is a potential violation of the Fair Credit Reporting Act ( FCRA 623 and 611 ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531, as they are furnishing unverifiable and potentially misleading data.

I believe the application process was either deceptive or unauthorized, and Citibanks lack of follow-up shows noncompliance with federal reinvestigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I am filing this complaint because [ Experian / XXXX / XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : 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 XXXXXXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
CFPB Complaint Mortgage Servicer Misrepresentation and Undisclosed Loan Balance ( TIAA Bank ) I am filing this complaint because I was misled by my mortgage servicer during a COVID-19 forbearance and repayment process.

I was told verbally and through written communication that the assistance option being applied to my account would be a Repayment Plan. In the email they sent ( attached below for reference ), it clearly states that a Repayment Plan allows you to repay the amount you owe that accumulated during the forbearance plan over monthly installments meaning the missed payments would simply be added to my monthly payments until caught up.

However, without my knowledge or clear explanation, the servicer instead processed a COVID-19 Standalone Partial Claim, which created a new, hidden junior lien of {$50000.00} which included a {$27000.00} in delinquent interest and fees.

My original mortgage was about {$220000.00}. After years of payments, my principal balance was around {$180000.00}. With the partial claim and added charges, I now owe approximately {$230000.00} more than my original purchase price.

I questioned the contract before signing that this program would not increase my balance, would not include any interest or fees, and would not cost me anything extra. I have witnesses who were present for these phone calls. Despite those verbal assurances, I was misled and coerced into signing documents that contradicted what I was told.

I only discovered the hidden second lien and charges because I am currently selling my home and my closing agent found the extra {$50000.00} claim. This was never disclosed in my online mortgage dashboard, my credit report, or any normal billing statement.

I understand that the forbearance amount of {$22000.00} is still owed, ho
wever I was told this amount would be distributed over monthly payments. What I am requesting is for the {$27000.00} in delinquent interest and fees to be reviewed and removed because I was directly told there would be no penalties, no interest, and no fees.

I am requesting that the CFPB : Investigate why the servicer enrolled me in a COVID-19 Standalone Partial Claim when the communication was described as a Repayment Plan.

Remove or refund those charges if they were added under false or misleading explanations.

This situation has caused major financial and emotional hardship to my family. I am in the process of selling my home and was relying on the proceeds to purchase a new one. I simply want the company held accountable for misleading me and for the excessive interest and fees to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I bank with Chime. My account was hacked, email and password changed. They sent all my money ( XXXX ) to a fake account. I immediately called and disputed the charges and reset all my passwords and questioned how it was so easy for someone to do that. They denied the first time. I reopened and submitted all my evidence. They barely took a day before denying me again. I have all the evidence that I was in class at this time, its 5 different transactions which just doesnt make sense, my virtual card was almost charged the next day for something that I dont even use online so obviously the rest of my card info was stolen as well. I also was able to see that my account had been logged into 2 phones that were never mine and I was never made aware of. They wont even hear what I have to say. Im at a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a purchase using PayPal. After the transaction went through, the information was changed and I ended up paying for items and shipping that I did not choose. Since my selection a were changed I tried to cancel the transaction. PayPal would not allow me to cancel. They sent an email immediately denying my claim. So immediate, that one could perceive that they are automatically doing this on purpose to steal our money. U had previously contacted the seller and they gave me permission t cancel and told me they would allow the cancellation. PayPal still will not refund even though both the seller and I do it wish to have the transaction go through. PayPal is stealing our money and not serving customers or merchants. My PayPal case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
National Credit Systems is reporting a collection account on my credit report in the amount of {$3000.00}, opened in XX/XX/year>. This is not my debt. 

I have never received any validation, signed agreement, billing statement, or assignment documentation from National Credit Systems proving that I owe this account or that they have any legal right to collect or report it.

I have disputed this account multiple times with both the furnisher and all three credit bureaus ( XXXX, XXXX, and XXXX  ). Despite repeated disputes, National Credit Systems has failed to validate the debt or remove the tradeline, continuing to furnish inaccurate and unverified information.

Their conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to investigate and correct inaccurate information after receiving a dispute, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), which prohibits continued collection activity before debt validation.

By continuing to report unvalidated information and refusing to delete this tradeline, National Credit Systems is causing significant credit and financial harm. I am requesting that the CFPB take immediate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-10-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My wallet was stolen from my vehicle on XX/XX/XXXX. My Chime debit card was used without my authorization on XX/XX/XXXX at the XXXX store XX/XX/XXXXXXXX in XXXXXX/XX/XXXX twice for approximately {$31.00}. It was used again without my consent at a XXXX store nearby for {$50.00}, again at XXXX XXXX XXXX XXXX for {$32.00}, and lastly at the XXXX for {$41.00}. ( I was able to get video footage from the smoke shop that clearly shows the male suspect using my card, which I provided in my claim. ) I immediately called Chime to lock my debit card, then I called the XXXXXX/XX/XXXXto file a report. 
I filed a claim with ChimeXXXXXX/XX/XXXX provided all the information, which included the video footage, police report, and transactions, and they denied it. I reoped the claim again and again, providing more and more detailed information. I have done this now nine times, and again they keep denying my claim without any explanation. Before I realized my wallet was actually stolen and my debit card was being used without my authorization, I used tap and pay at XXXXXX/XX/XXXX in XXXXXX/XX/XXXX while my actual card was being used just minutes later in XXXXXX/XX/XXXX minutes away from my location in XXXX. This, in itself, along with video footage, proves I could not have used or authorized the use of my Chime debit card. I have asked Chime customer service numerous times to tell me what other information they need to reimburse the fraudulent charges, and they will not provide an answer, just that it is being denied with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AZ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-10-27 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during anXX/XX/XXXXdata breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, TransUnion Equifax and Experian accessed my credit file after I initiated a dispute, but they did not provide me with my credit report or the reinvestigation results. I disputed inaccurate reporting on a XXXX  XXXX account ( original charge-off about {$710.00} ; account since closed ) and asked to remove two unauthorized hard inquiries ( XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX XXXX XXXX I supplied identity documents and written authorization for my representative. I followed up in writing and through the online dispute link, but received no response. Without the disclosure and results, I can not review or specify the items to correct.

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