vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was approved for Citi XXXX XXXX on XX/XX/year> with a 100,000-point bonus after {$6000.00} in 3 months. On XX/XX/year> Citi blocked the account and required IRS Form 4506-C. I mailed the signed 4506-C on XX/XX/XXXX ; XXXX shows delivery XX/XX/XXXX. Despite repeated calls ( 3060 minute holds ), the account stayed locked. 

I repeatedly asked what would happen to my sign-up bonus window during the lock. I received conflicting guidance : one representative said it can not be extended ; another said I would need to apply for an extension after the lock is lifted. Unable to use the card or work toward the bonus, I canceled on XX/XX/XXXX and Citi refunded the {$590.00} annual fee. 

In my circumstances the 4506-C demand was excessive : I am a Citi private bank client and my salary deposits flow through Citi, so the bank already has ongoing visibility into my income and cash flow. The prolonged freeze after receipt of my 4506-C, combined with inconsistent instructions, caused a lost opportunity to earn the XXXX bonus. My cancellation was constructive : I canceled only because Citis freeze made the account unusable and left the bonus window unprotectedi.e., the account could not be used as agreed. 

Based on numerous consumer reports ( e.g., XXXX ), Citi has been waiving the annual fee and granting the XXXX bonus ( or providing XXXX  extensions ) to other XXXX XXXX cardholders affected by the same 4506-C issue. I am similarly situated and canceled only due to the freeze and unclear guidance.

I recognize Citis right to verify income but exercising that right in a way that kept the account unusable after receiving my 4506-C frustrated the bargain. Although my annual fee was refunded, that does not address the lost bonus opportunity caused by Citis handling. I am not seeking special treatmentjust the same remediation other affected consumers report receiving.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have police reports and proof that my identity was stolen, the debt I am being charged with is inaccurate and I am being told that I can not settle the debt. I will be talking to a bankruptcy attorney this week to figure out my next steps.

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 2025-10-20 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: GA

Complaint narrative:
I am submitting thisXX/XX/XXXX formal complaint because my credit file continues to display inaccurate, unverifiable, and unauthorized information, causing ongoing harm to my financial reputation. These are not mere errors to be corrected they are fundamentally unlawful entries that must be permanently deleted in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Like many consumers, I am experiencing the continued reporting of closed accounts showing {$0.00} balances as if they remain active, as well as unauthorized inquiries that I never approved. The continued appearance of this information is misleading and damaging to my credit profile. 

Late Closed Accounts Still Reported The following accounts remain listed on my file even though they are closed with XXXX balances : XXXX BANK XXXX XXXXXX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00} Their continued reporting violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( prohibits knowingly reporting inaccurate information ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( requires unverifiable information to be deleted ) FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ) ( requires maximum possible accuracy ) FCRA XXXX 15 U.S.C. XXXX ( grants the right to block inaccurate or identity theft-related data ) Charge-Off Accounts Reporting Balance Owed : {$0.00} The following charge-off accounts remain on file even though they show no balance due, which is misleading and incomplete : BANK OF XXXXXX/XX/XXXXBalance Owed : {$0.00} XXXX BANK XXXXXX/XX/XXXX Balance Owed : {$0.00} * * Reporting a charge-off with a XXXX balance creates a false appearance of debt and violates : FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) FCRA XXXX 15 U.S.C. XXXX Unauthorized Inquiries My credit file also contains multiple unauthorized inquiries made without my consent or permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose, violating : FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) ( limits access to consumer reports ) FCRA XXXX ( f ) 15 U.S.C. XXXX ( f ) ( prohibits obtaining a report without authorization ) FCRA XXXX 15 U.S.C. XXXX ( unlawful to obtain a report under false pretenses ) FCRA XXXX 15 U.S.C. XXXX ( protects against continued reporting of unauthorized data )

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 2025-10-20 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: TrueAccord Corp.
State: TX

Complaint narrative:
Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I discovered multiple inaccurate and unverified accounts, inquiries, and personal information being reported without my authorization or consent. These include accounts and inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others that I never applied for or authorized. There are also former names and addresses listed that are not mine, including XXXX XXXX and several outdated addresses. 

I have submitted formal written disputes to all three credit bureaus in compliance with 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation of disputed information within 30 days. Despite my requests, the bureaus have failed to provide proper validation or remove unverifiable items, violating my rights under FCRA 1681i ( a ) and 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of information. 

Additionally, the furnishers of this information, including XXXX XXXX XXXX XXXX and third-party debt collectors, have violated 15 U.S.C. 1681s-2 ( b ) by continuing to report inaccurate data after being notified of disputes. Some companies also appear to have violated 15 U.S.C. 1692j of the Fair Debt Collection Practices Act ( FDCPA ) by furnishing deceptive forms or attempting to collect on alleged debts that are not mine. 

These repeated reporting errors and failures to verify constitute serious noncompliance with federal consumer protection laws and CFPB regulations. I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure that all unverifiable and unauthorized accounts, inquiries, and incorrect personal information are permanently deleted from my credit files. I am also requesting that the credit bureaus provide documentation of their investigation methods and the sources used for verification, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
During Covid, I had a checking account at KeyBank while I was working remotely and had residency in New York XXXX, New York working remotely in Florida. I took a picture of a check to do a remote deposit and because the delivering bank was short a few cents, KeyBank rejected the check closed my account because I could not come back to XXXX New York with my ID to present to them for verification. This impacted my line of credit as of recently where they closed it even though I paid them in full and recently, I had tried to open a new bank account with them, and they opened it by overriding the account and then closed it again they are stating that I tried to commit fraud which is completely untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-20 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: DC

Complaint narrative:
Experian, Violated my consumer rights by not thoroughly investigating faulty items on my credit report claiming they were validated without doing a thorough investigation

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 2025-10-19 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: FL

Complaint narrative:
My account has been satisfied and PAID as of XX/XX/year> as agreed upon with a settlement in the amount of {$170.00} before XX/XX/year>. There were no late payments that could have or should have been reported, as there was no timed agreement besides paying the agreed amount before XX/XX/year>. I have sent disputes to XXXX XXXX with documents and payment history with a copy of the " Satisfied account and payment made '' letter and XXXX XXXX continues to wrongfully report to Experian,XX/XX/XXXXandXX/XX/XXXXthe amount owed, XXXX different amounts of late payments, that the account is still open and that I still owe a balance of {$770.00} with Experian and {$860.00} with XX/XX/XXXX 

XX/XX/XXXX has continued to report as follows ; XXXX 100 % PAID OFF, BALANCE UPDATED XXXX XXXX Experian- 94 % PAID OFF, BALANCE OF {$770.00} UPDATED XXXX XXXX XX/XX/XXXXx- 93 % PAID OFF, BALANCE OF {$860.00} UPDATED XXXX XXXX XX/XX/XXXX IS QUITE AN AMOUNT OF TIME AFTER PAYING THE BALANCE OF {$86.00} THAT WAS REMAINING SO THAT WAS COMPLETELY FALSE REPORTING AND WRONGFUL INFORMATION. All credit bureus show different amounts and different amounts of late payments. 

XXXX XXXX LATE PAYMENTS REPORTED Experian- XXXX LATE PAYMENTS REPORTED XX/XX/XXXXXXXX LATE PAYMENTS REPORTED

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 2025-10-19 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: FL

Complaint narrative:
My account has been satisfied and PAID as of XX/XX/year> as agreed upon with a settlement in the amount of {$170.00} before XX/XX/year>. There were no late payments that could have or should have been reported, as there was no timed agreement besides paying the agreed amount before XX/XX/year>. I have sent disputes to XXXX XXXX with documents and payment history with a copy of the " Satisfied account and payment made '' letter and XXXX XXXX continues to wrongfully report to XXXX, TransUnion and XXXX the amount owed, XXXX different amounts of late payments, that the account is still open and that I still owe a balance of {$770.00} with XXXX and {$860.00} with XXXX 

XXXX XXXX  has continued to report as follows ; TransUnion- 100 % PAID OFF, BALANCE UPDATED XXXX XXXX XXXX- 94 % PAID OFF, BALANCE OF {$770.00} UPDATED XXXX XXXX XXXX- 93 % PAID OFF, BALANCE OF {$860.00} UPDATED XXXX XXXX XX/XX/XXXX IS QUITE AN AMOUNT OF TIME AFTER PAYING THE BALANCE OF {$86.00} THAT WAS REMAINING SO THAT WAS COMPLETELY FALSE REPORTING AND WRONGFUL INFORMATION. All credit bureus show different amounts and different amounts of late payments. 

XXXX XXXX LATE PAYMENTS REPORTED XXXX- XXXX LATE PAYMENTS REPORTED TransUnion- XXXX LATE PAYMENTS REPORTED

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Creditly Corp.
State: CA

Complaint narrative:
I was originally looking for a loan so I wanted to just browse Credit Genie So i seen they had a free subscription For a week so when I went to cancel Before I got charged. I tried email them Over 6 times I ask them about getting into the app to recover my password, my email as well. I ask can they just cancel the subscription they keep Charging me {$4.00} in XXXX and XXXX they just keep telling me on the XXXX that they will get back to me but they haven't yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: MA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau against the credit bureaus and the furnishers listed below for reporting, verifying, and maintaining inaccurate, incomplete, and unverified information on my credit profile. I have previously disputed these accounts directly with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the accounts remain without proper reinvestigation or correction. The continued reporting of these items has negatively impacted my creditworthiness and caused emotional and financial harm. I am requesting a full investigation and enforcement action against the furnishers and credit bureaus involved in these violations. 

Account XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, 2022 Balance : {$4500.00} Charge Off This account is being reported inaccurately and in violation of the Fair Credit Reporting Act 602 ( B ) and 611 ( A ) ( 1 ) ( A ), which ensure that data furnishers and credit bureaus only report verified, complete, and accurate information. I have no verified record or valid documentation proving this charge-off is accurate. The reporting of this account has caused harm to my credit reputation, and without verification from the original creditor through legally sufficient documentation, this data should not remain on my file. The creditor or bureau must provide full verification under the FCRA, including a signed contract, payment records, and the chain of custody of the account. If such verification can not be provided, this account must be removed immediately for failing to meet the standard of accuracy and completeness as required under FCRA 607 ( b ).

These ongoing violations have caused significant emotional distress, financial hardship, and damage to my credit reputation. I request the CFPB to compel the furnishers and credit bureaus to immediately remove or correct all inaccurate, unverifiable, and unauthorized items listed above and to ensure full compliance with the Fair Credit Reporting Act. Furthermore, I request documentation proving the credit bureaus reinvestigation process, the furnishers verification methods, and any consent allegedly given for the inquiry. 
I am seeking enforcement action, deletion of the disputed accounts and inquiry, and confirmation of corrective measures taken by the involved parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
Issue is with a third party loan called ACIMA from XXXX XXXX XXXX. I have been falling behind with payments due to the high interest loan. Then government shutdown happened. Request financial hardship per XXXX and military lending act. They stated can not support. Then I request to speak with a supervisor or next level management or military support division. Stated they do not have any. 
Sounds like this company is a predatory lending company attacking low income and or those with unstable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a Bank XXXX XXXX cashiers check into my Truist Bank account along with other verified checks, totaling {$190000.00} over XXXX year ago. Truist placed a hold on the funds and has continued to retain my money without releasing it or providing a legitimate legal basis for doing so. 

I have repeatedly contacted Truists XXXX XXXX Department and provided all requested information. Despite this, the bank continues to hold my funds. They are now requesting that I file a police report, even though there has been no fraud, no loss, and no criminal activity. The funds are from a cashiers check, which is guaranteed and issued directly by Bank XXXX XXXX. 

Banks do not issue letters guaranteeing that a check will not be returned, and Truist is requesting documentation that no bank provides. They have had more than XX/XX/XXXX days to verify the authenticity of this cashiers check through standard interbank procedures. 

I am requesting that the CFPB intervene and require Truist Bank to either ( XXXX ) immediately release my funds, or * * ( XXXX ) provide a written explanation with citation of the specific federal regulation or legal authority that allows Truist to continue holding my funds from a verified cashiers check for over a year. 

This ongoing hold has caused significant financial harm, and I believe Truists actions constitute unlawful retention of consumer funds and an unfair banking practice.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
This is a follow up complaint I filed a compliant with you on Tuesday the XXXX regarding a transaction attempt with XXXX XXXX on Friday XX/XX/XXXX at that time I attempted to rent a motel room for 4 days. My transaction didn't go through. I contacted Cash App repeatedly and got very little help told me. I'd have to wait for the merchant to drop the hole. But the merchant never had to hold and they sent me paperwork. That I gave to Cash App through email. 
Verifying this yet they still refuse to address the problem you guys sent in the complaint. And they responded back that same Tuesday, the XXXX, saying they were investigating it. But nothing has been done. They have not reached out to the merchant. They have not addressed the problem. They have everything they need to fix the problem. Yet they're telling me they won't do it. This is unacceptable to tell me.I 'll have to wait 30 days before.They will investigate it further.That is ridiculous and unacceptable.I simply want my money back.Even the merchant said they could not hold my money.As long as they claim.They could because there was only for the duration.To stay, that never happened because the transaction never went through.I sent in paperwork do\nYou and Cash App showing that they did not receive this.And the conversations i've had with them complaint number was XXXX i'm staying outside because of this situation.This was gon na be my home money.I 'm compsettled into hardship because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Remove bankruptcies that are less than XXXX XXXX XXXX. The credit reporting agencies stated that the bankruptcies were verified, but no one sent me verification that they were validated

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've notices credit inquires that i did not make or authorize.

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 2025-10-20 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I've notices credit inquires that i did not make or authorize.

Company response to consumer: Closed with explanation